vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I filed for XXXX in XXXX, XXXX. My XXXX was XXXX in XXXX, XXXX. My balance with Apple Card - Goldman Sachs Bank USA was included in my XXXX 

Since I've received my XXXX discharge Apple Card continues to report this account as open and derogatory to XXXX. It is only reporting as open on my XXXX credit report. All of my XXXX credit card accounts, including this one, are now closed. Continuing to report this account as open, when it is closed, is affecting my XXXX XXXX. 

I contacted Apple Card in XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX - requesting an update to my XXXX credit report. Each time I was told my request had been escalated to a XXXX XXXX XXXX and would reflect with the next reporting at the end of the month. It is now XXXX, XXXX and this account is still reporting as open on my XXXX Credit report. 

I have challenged this misreporting directly with XXXX in XXXX, XXXX and in XXXX, XXXX. Apple Card continues to verify back to XXXX that this information as accurate, and no changes have been made to my report. 

Please note, Apple Card is accurately reporting that the card balance is {$0.00} and was included in my XXXX, HOWEVER they are still reporting the account as open. THIS ACCOUNT IS NOT OPEN AND IS NOT IN A DEROGATORY STATUS. IT IS CLOSED AND NEEDS TO BE REPORTED TO XXXX AS CLOSED. To reiterate, my issue is not how it is reported to XXXX or XXXX. The issue is solely with XXXX. 

I am reaching out to CFPB for assistance with getting this corrected. If this is not resolved my next step will be to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my report with transunion. this has been an ongoing issue that needs to get resolved. checking my file it has caused alot of denials with inaccurate information that is reported to be cleared asap. please review an remove the listed items to correct my file asap.

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 2023-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: MA

Complaint narrative:
I was served Civil Lawsuit paperwork from a lawyer representing XXXX XXXX, XXXX. The lawsuit is for a little over {$7000.00}. I've never heard from anyone at XXXX XXXX prior to the lawsuit complaint. 

After requesting the documentation regarding the account from the lawyer it appears to be a loan taken out and then later sold to XXXX XXXX after default. 

I was not aware this loan existed, and have yet to be contacted by XXXX XXXX at all regarding this account. The only contact I have had was through the lawyer in the dorm of responses to court documentation requests.

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 2023-08-17 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: CA

Complaint narrative:
The following creditors are reporting accounts that were opened fraudulently without my consent or knowledge. 

XXXX XXXX XXXX XXXX account # XXXX {$1900.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$1400.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$55000.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$1700.00} opened on XX/XX/XXXX XXXX XXXXXXXX XXXX Account # XXXX {$690.00} opened on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following creditors are reporting accounts that were opened fraudulently without my consent or knowledge. 

XXXX XXXX XXXX XXXX account # XXXX {$1900.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$1400.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$55000.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$1700.00} opened on XX/XX/XXXX XXXX XXXX XXXX  Account # XXXX {$690.00} opened on XX/XX/XXXXXXXX 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 2023-08-17 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: OH

Complaint narrative:
I currently have four fraudulent accounts appearing on my credit report. 

1. XXXX XXXX  XXXX {$160.00} 2. XXXX XXXX XXXX {$240.00} 3. XXXX XXXX {$190.00} 4. XXXX XXXX {$230.00}

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 explanation
Consumer complaint received 2023-08-17 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: NC

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 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 2023-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: MI

Complaint narrative:
I have a fraudulent collection from XXXX XXXX XXXX XXXX aka CKS financial showing up on my credit report for {$770.00} which I have asked XXXX XXXX XXXX XXXX to provide a validation letter to me about so that I could express my civil rights to review the information and make any disputes. I followed up on XX/XX/23 by filing a complaint against XXXX XXXX XXXX XXXX on CFPB website due to harassing amount of unanswered phone call and lack of response or a validation letter upon original request. Even after requesting again for validation XXXX XXXX XXXX failed to provide me a validation letter and it has been well over 30 days. According to Section 1692g in Title 15 of the U.S. Code This section of the Fair Debt Collection Practices Act discusses a consumer 's right to have the debt collector validate a debt for accurracy. Collection efforts must cease while it's being investigated. I am now within my right to sue the collector. According to my legal counsel XXXX XXXX XXXX XXXX should not be reporting this erroneous collection on my report without even providing me validation or a chance to dispute it.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX reported on account is invalidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: STERLING JEWELERS, INC.
State: IL

Complaint narrative:
Information reported on account is invalidation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: NY

Complaint narrative:
My credit report is showing late payments on XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

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 2023-08-17 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: CA

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX** Balance : {$16000.00}

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 2023-08-17 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: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX  Date : XXXX XXXX Account Number:XXXX  Action : certified letter was sent to remove all late payments ( XX/XX/, XX/XX/XXXX  ) account is paid, and now closed. 


XXXX Date : XXXX XXXX Account number:XXXX  Action : certified letter was sent to remove this account I have not supplied proof under the doctrine of estopped by silence, Engelhardt v.Gravens ( mo ) 281SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


XXXX XXXX Date : XXXX XXXX Account number:XXXX  This auto loan was paid off through insurance settlement, i sent a certified letter to have account updated in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: Self Financial Inc.
State: SC

Complaint narrative:
SBNASELFLNDR Date : XXXX XXXXXXXX  Account Number:XXXX  Action : certified letter was sent to remove all late payments ( XX/XX/, XX/XX/XXXX  ) account is paid, and now closed. 


XXXX Date : XXXX XXXXXXXX  Account number:XXXX  Action : certified letter was sent to remove this account I have not supplied proof under the doctrine of estopped by silence, Engelhardt v.Gravens ( mo ) 281SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


XXXX XXXX Date : XXXXXXXX XXXX  Account number:XXXX  This auto loan was paid off through insurance settlement, i sent a certified letter to have account updated in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I am dismayed to have seen in my credit bureau a car loan that does not belong to me. The car loan originated in XX/XX/XXXX, when I was not yet a legal resident of the US. I arrived in the US on XX/XX/XXXX. Now I am desperate for start making a credit history in this country, and I can't because I have that debt in my credit bureau. Please, I need to know what I can do to resolve this unpleasant situation in which I am accidentally involved. 
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 2023-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
I received two unblocked calls from Phoenix Financial Services. I also received several blocked calls on the same day. I dont get that many phone calls in a day and it is strange to have 5 blocked calls in one day. When I called they were looking for a debt from someone else I started to tell them it wasn't me and they hung up on me. I have a screen shoot of the phone calls. The phone number they called from was XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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: FL

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my 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 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 non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Comenity Capitol Bank card was opened in my name XX/XX/XXXX and maxed out apparently. I called Comenity imidietly some time in mid Novemver to early XX/XX/XXXX, when I received a bill stating that I was one past due and I owed over {$10000.00}. The representative I had spoken to at that time said that they would take care of it and that there would be an investigation. I waited to hear back and there was nothing. I had called in XX/XX/XXXX, XX/XX/XXXX and in XX/XX/XXXX but there were no updates on this. I received a bill in XXXX of XXXX same thing saying I was past due and now balance was over {$12000.00}. Again I explained the same things as before to each representative that it wasn't mine, I didn't even have a clue about it and how is it okay that people just get bills for something that one isn't theirs and now are required to pay. At this point I had submitted another report for identity theft because I didn't know what else to do. Here I am getting sick physically over this account that I didn't open and now has been charged off and sent to collections. Not only has this effected my physical health and mental health but has also caused issues with my significant other. I have never been late on paying any of my stuff. I had to get a third party company to help me investigation this issue and sure enough someone used my personal information to open this account and a couple others all within the same time. With a address in the state of Indiana. I have never even been.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
My brother try to deposit his check in my account once through my banking mobile app and at the Atm. The check is in his name it was XXXX. Ive been a BOA customer over 20 years with weekly and by weekly payroll deposit. Ive built history and a relationship with BOA. For me to jeopardize my account is ludicrous. I dont think its right all four of my accounts be forced closed. I would like this matter looked in to. This is damaging to my life and very stressful XXXX XXXX  and XXXX  make it hard to open a bank account. I would like to re-open a new account with BOA.

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 2023-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
have been in the process of purchasing a new vehicle And home but I have been turned down due to the information I found on my account. On my credit report there is a Charge off from : XXXX XXXX XXXX for the amount of {$230.00} & {$150.00} from XXXX XXXX XXXX XXXX XXXX  for the amount of {$380.00}. XXXX XXXX XXXX XXXX XXXX the date is unknown but it was reported XXXX XXXX XXXX XXXX for the amount of {$1200.00} XXXX. 
XXXX XX/XX/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 2023-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I HAVE TOLD AARGON TO CEASE AND DESIST ANY COMMUNICATION WITH ME. THIS MEANS BY MEDIUM, INCLUDING MAIL. I HAVE JUST RECEIVED A LETTER BY A PERSON BY THE NAME OF XXXX  XXXX   IN THE MAIL THAT THEY ARE ATTEMPTING TO GAIN INFORMATION FROM ME TO PROVE THAT I AM A VICTIM OF IDENTITY THEFT. I AM NOT REQUIRED TO PROVIDE ANYTHING TO THIS COMPANY AS I DO NOT OWE THEM ANYTHING AND HAVE NOT ASKED THEM TO INVESTIGATE MY CLAIM OF  IDENTITY THEFT. CONTACTING ME AFTER I HAVE GIVEN THEM INSTRUCTIONS TO STOP IS A DIRECT VIOLATION OF THE FDCPA 15 USC 1692c(c) et seq.THIS COMPANY IS STILL SAYING I "OWE" AN AMOUNT OF XXXX AND IS STILL TRYING TO TO COLLECT ON THIS DEBT I TOLD THEM I DONT OWE. THIS CONTINUED CONTACT WITH ME AFTER THEY WERE TOLD TO CEASE AND DESIST IS ALSO A VIOLATION OF 15 USC 1692d AS AARGON IS CONTINUING TO HARASS ME. THIS FURTHER COMMUNICATION WITH ME IS DISTURBING TO MY PEACE AND CAUSING ME EMOTIONAL DAMAGE AND HARM.

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 2023-08-17 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
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 Dear Sir/Madam, I am writing to file a formal dispute regarding multiple violations of federal consumer protection laws by several creditors. My hope is that the Consumer Financial Protection Bureau will take action to enforce the relevant laws and ensure that my consumer rights are upheld. Additionally, I would like to share a deeply personal story that illustrates the severe impact these violations have had on my life. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Multiple violations including improper reporting practices, inaccurate information, and reinsertion without proper notice. - Relevant Laws : FCRA Sections 1681e, 1681i, 1681s-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Unauthorized credit inquiry without my consent. - Relevant Law : FCRA Section 1681b 3. **Personal Information** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Inaccurate personal information reported. 
- Relevant Law : FCRA XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Violations : Multiple violations including improper reporting practices, inaccurate information, and reinsertion without proper notice. 
- Relevant Laws : FCRA Sections 1681e, 1681i, 1681s-2 The impact of these violations on my life has been nothing short of devastating. Due to the inaccurate and improperly verified information on my credit report, my ability to secure housing, employment, and even simple everyday transactions has been severely hindered. I have been unjustly denied rental opportunities, faced higher interest rates on loans, and felt the constant burden of financial insecurity. 

These violations have caused not only financial stress but also emotional turmoil. I have struggled to provide for my family and faced humiliation and embarrassment due to circumstances beyond my control. The sleepless nights and XXXX I've experienced as a result of these violations have taken a toll on my mental and emotional well-being. 

With all due respect, I implore the Consumer Financial Protection Bureau to take strong and immediate action to ensure that my consumer rights are upheld and that justice is served. I humbly request that you use your authority to compel the relevant creditors to remove these unverified and inaccurate accounts from my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will act in the best interests of consumers and ensure that my rights are protected. I am hopeful that this dispute will lead to a resolution that allows me to regain control over my financial and emotional well-being. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief