vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 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: VA

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 explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I would like to file a complaint against American Express XXXX Card services. My identity was stolen and I have made American Express XXXX Card services that my identity was stolen and that the charges made on my account are not me and therefore needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
On XX/XX/year> per Certified mail # XXXX a letter requesting that the company claiming that there's a debt owed validate such claims. I requested the company to provide any information to prove such claims with as well as calls to follow up in XXXX to absolutely no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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:
When I had submitted a dispute with Experian back on XX/XX/XXXX to remove the negative information with XXXX XXXX XXXX XXXX XXXX XXXX, the status went from Paid and Closed to Open. 
I just sent Experian another dispute letter yesterday to update the status as " Paid Current '', and " Closed '' since XX/XX/XXXX. I also enclosed the refund check for the overpayment XXXX XXXX XXXX XXXX had issued back on XX/XX/XXXX, and a former Experian Credit Report from XX/XX/XXXX showing the account was " Paid and Closed. ''

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 2024-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
This debt was sold to a third party without my consent. I did not sign anything wanting my personal information given to a third party. Fear of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX  Account Number : XXXX Inquiry 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 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 non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I bought a guitar from a website called XXXX XXXX on XX/XX/2024 for XXXX on my Apple Card. It took about XXXX XXXX weeks to arrive to my house and when it got here, I noticed a few problems that I had with it that may have to be fixed. The input jack that you plug the cable into was very tight and thats an issue because after a while it could strip out the electronics inside of it, and there was no way for me to try bend the prongs back and pickups would either just go in and out or just not work. So I contacted the seller and told him about the issues I was having and he did not once acknowledge the actual issue I was having, but just continue to dodge my questions and my concerns. He was just telling me that this was not the real actual guitar that you would buy, and I knew that going into it, but I was not expecting to get a guitar that was defective and needed a set up and repair before I could even actually play it. But again, he just dodged all my questions when I asked for either a return or a partial refund

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: PA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against XXXX and Equifax regarding their failure to remove inaccurate items from my credit report, despite submitting documentation of identity theft and FTC reports as requested.

I submitted an identity theft report to Equifax and trasnuion along with FTC reports in an effort to remove several fraudulent items from my credit report. The items in question are as follows : Account Name XXXX XXXX XXXX XXXX XXXX  ( deleted by furnisher verified and updated before deletion. 
Account Name : XXXXXXXX XXXX ( deleted by furnisher today XX/XX/year> XXXX certified to XXXX that it was accurate and XXXX and Equifax failed to remove it. 
Account Name : Fair Collections and out ( deleted by furnisher but was verified and updated by XXXX and Equifax Account Name : XXXX XXXX ( auto loan has certified it is accurate but this account remains on my credit but is fraudulent and currently in litigation. 

Despite my efforts, XXXX and Equifax failed to remove these items from my credit report. However, since then, three out of the four items have been removed directly by the furnisher due to identity theft verification. 

I am deeply concerned about the handling of my request and their failure to take appropriate action in removing these fraudulent items from my credit report. I would like to understand why my initial request was rejected and how XXXX and Equifax verified the accuracy of these items. 

Furthermore, I am requesting that XXXX and Equifax promptly delete the remaining item XXXX XXXX from my credit reports, as it has been verified by the furnisher as fraudulent. 

I believe that XXXX 's failure to remove these inaccurate items from my credit report is in violation of the Fair Credit Reporting Act ( FCRA ) and has caused undue harm to my creditworthiness and financial well-being. 

Therefore, I am requesting the intervention of the Consumer Financial Protection Bureau to address this matter and ensure that Transition and Equifax complies with its legal obligations to accurately report consumer credit information. 

I appreciate your prompt attention to this complaint and look forward to a resolution that rectifies this situation and prevents similar occurrences in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I had canceled this card last year due to non activity. All my cards I currently use are on auto pay, but it seems that they never canceled my card or went ahead with my request. 

Now Im being charged late fees and reported to the Credit Bureau For proof, my card isnt even activated and paperless billing is turned off The total available limit on the card is {$300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.

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 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a secured credit card with capital one. I paid a {$300.00} security deposit and have a {$300.00} credit limit. My last 2 payments have posted and cleared my bank and capital one but they put a 26 day hold on my payments for absolutely no reason. No one can tell me why. I've never had a payment returned or declined. I pay my card off every time I use it. I have talked to at least 6 people at capital one and none of them can give me a legitimate explanation. I'm ready to just close this card and move on. It's absolutely ridiculous that I can't use my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
If account has been Charged off, please provide a 1099 and all statements that have my full name ( XXXX XXXX XXXX XXXX ) and address of my drivers license. If you can not provide this, please delete 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 2024-05-16 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: NC

Complaint narrative:
Per the FCRA as a Federally protected consumer I am now opting out of all authorization. I the consumer may have given you written and unwritten, verbal, and nonverbal per 15 USC 6803.

15 USC 1681- Permissible Purpose i did not authorize these companies to have access to my credit file. 
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 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 2024-05-16 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: PA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Transunion and XXXX regarding their failure to remove inaccurate items from my credit report, despite submitting documentation of identity theft and FTC reports as requested. 

I submitted an identity theft report to XXXX and trasnuion along with FTC reports in an effort to remove several fraudulent items from my credit report. The items in question are as follows : Account XXXX : XXXX XXXX XXXX XXXX ( deleted by furnisher verified and updated before deletion. 
Account Name : XXXXXXXX XXXX  ( deleted by furnisher today XX/XX/year> XXXX certified to XXXX that it was accurate and TU and XXXX failed to remove it. 
Account Name : Fair Collections and out ( deleted by furnisher but was verified and updated by TU and XXXX Account Name : XXXX XXXX ( auto loan has certified it is accurate but this account remains on my credit but is fraudulent and currently in litigation. 

Despite my efforts, XXXX and XXXX failed to remove these items from my credit report. However, since then, three out of the four items have been removed directly by the furnisher due to identity theft verification. 

I am deeply concerned about the handling of my request and their failure to take appropriate action in removing these fraudulent items from my credit report. I would like to understand why my initial request was rejected and how XXXX and XXXX verified the accuracy of these items. 

Furthermore, I am requesting that Transition and XXXX promptly delete the remaining item XXXX XXXX from my credit reports, as it has been verified by the furnisher as fraudulent. 

I believe that XXXX 's failure to remove these inaccurate items from my credit report is in violation of the Fair Credit Reporting Act ( FCRA ) and has caused undue harm to my creditworthiness and financial well-being. 

Therefore, I am requesting the intervention of the Consumer Financial Protection Bureau to address this matter and ensure that Transition and XXXX complies with its legal obligations to accurately report consumer credit information. 

I appreciate your prompt attention to this complaint and look forward to a resolution that rectifies this situation and prevents similar occurrences in the future.

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 2024-05-16 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: TX

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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 2024-05-16 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: TX

Complaint narrative:
It's been More the 30 days this letter was send out and haven't hear from your company. Please be advised this is my WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights 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 account XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Despite written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 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. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA LAW 15 USC 1681A2B.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: TX

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: TX

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-16 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: TX

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: TRIAD FINANCIAL SERVICES, INC.
State: AR

Complaint narrative:
We applied for a mortgage loan with Triad Financial Services Inc., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX. XXXX # XXXX in XXXX of this year. We received the pre approval in XX/XX/year>. It was taken out for a land home package with a local mobile home dealer. Per the lenders requirements the land we placed an offer on had to pass a perc test and survey. Once completed the lender orders the appraisal to which we had to pay out of pocket XXXX $ to the lender. Appraisal came through good, we were moving towards closing and working with a title company. However the dealer we chose was violating RESPA laws in regard to the title company we requested to move both dealer and title companies. This entailed us having to reapply for the loan. XXXX XXXX worked directly with myself, my realtor, the dealer and title company on order to meet closing date of XX/XX/year>. On XX/XX/year> XXXX contacted use and stated that the original underwriter made a mistake and based off the fact that the second applicants job was held only a year, we should have been disqualified. That they are no longer able to process the loan as Triad would incur a loss because they would not be able to sell it to another servicer. We were falsely led to believe that we were qualified and the lender had us pay XXXX $ in appraisal fees, on top of the XXXX dollars paid the the first dealer for the required perc tests and survey. We have asked both XXXX XXXX and XXXX XXXX the regional manager who is going to reimburse us for the loss we incurred due to them falsely leading us to believe we had the loan therefore resulting in money invested into property we will lose the contract on based on Triads negligence.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-16 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: OK

Complaint narrative:
Ive recently checked my credit report and notice inaccurate personal information reporting

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Ive recently checked my credit report and notice inaccurate personal information reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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:
Please take a look at the attached letters and ID docs for verification that it is I 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