vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 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: IL

Complaint narrative:
I have been a victim of Identity theft. I have sent all documents for over 7 months to all 3 credit bureaus for the removal of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have only received minimum responses that come over 60 days from my original investigation date. these creditors have incorrect information. XXXX XXXX XXXX have account information that is incorrect. Its reporting 30,60, 30 days late consecutively. XXXX XXXX XXXX  account was opened fraudulently in XXXX I do not have an account with this company. The rating reporting is impossible. I have never had an account with XXXX 
XXXX XXXX Account number - XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX- Account Number - XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX These company 's refuses to remove these account off my Equifax or XXXX Consumer report using erroneous letters fake validation and stall letters. This has been extremely detrimental to my credit rating,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TrueAccord Corp.
State: TX

Complaint narrative:
XXXX XXXX has trueaccord debt collectors but Im paying this account with indebt charge solutions to them they still reported acharged off and bad credit to all 3 major credit agencies they promised to clearing this debt account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I am filing a formal complaint against Goldman Sachs Bank USA because they have violated my consumer rights. Goldman Sachs Bank USA did not give me a chance to opt out before sharing my personal financial information with third parties, including other financial institutions and credit agencies. This is against both federal law ( Gramm-Leach-Bliley Act ) and New Jersey state law ( NJ Data Protection Act ). 

I told Goldman Sachs Bank USA that I did not agree to them sharing my private information. They responded by saying that they have the right to share my information according to their Privacy Policy. However, their Privacy Notice says that information collected by financial institutions is subject to federal privacy laws and states that they wont share information about New Jersey residents with non-affiliated third parties, except as allowed by New Jersey law. 

I have never signed any agreement allowing Goldman Sachs Bank USA to share or sell my personal information. I have requested a detailed account statement, including evidence from an authorized representative, to clarify who funded the account and the actual amount owed. Instead, Goldman Sachs Bank USA only sent me a copy of the Promissory Note, which shows multiple violations of the Truth in Lending Act. 

I have instructed Goldman Sachs Bank USA to send all correspondence to a specific address and stated that any mail sent to another address is inconvenient and an invasion of privacy. Despite this, they continue to send mail to an address that is difficult for me to access. 

Goldman Sachs Bank USAs actions are a form of identity theft, as they are sharing my personal information without my consent. This is an abuse of their legal authority and attempts to collect debts through unlawful means. 

According to federal and state laws, I should have been given a reasonable chance to direct that my personal information not be shared. The contract and Promissory Note in question are invalid and unenforceable. I am seeking damages for violations of the Fair Credit Reporting Act, Truth in Lending Act, Uniform Commercial Code, and New Jersey consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
They froze my account and said they will help me resolve it and unfreeze my account but have never helped in anything. I submitted about 5 requests for help and still nothing. I contacted customer service and no person picks up or helps its just a bit saying to look at the FAQ help section which does nothing. I been trying to contact them for about 2 weeks and they dont respond with anything but saying they will help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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:
I request the removal of this incorrect entry from my credit report. I did not authorize or recognize this account. Attached are the relevant documents supporting my position.

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 2024-09-11 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: GA

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XX/XX/year>, I submitted for a pre-approval for {$33000.00} through Navy Federal to see what interest rate I would be offered. With the rate they offered me, I was not longer interested considering them for a loan. I monitor my credit score regularly and noticed they ran my credit with a hard inquiry for the pre-approval when I last checked. I was not ready to buy a car yet and am only at the beginning stages of shopping for one. When I called them to let them know my intentions to inquire about the interest rate with them and let them know the application is still in a pre-approval status, they said they would not take the hard inquiry off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Date : XX/XX/year> Amounts : ~ XXXX equivalent of crypto assets. XXXX and XXXX. 
Incident ( XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX. My device was successfully logged in at a new IP and new device on XX/XX/year>, without notifying me at all ( screenshot XXXX ) .My primary location is in XXXX, but the fraudster 's login was in XXXX. I received NO text/email/in-app notification regarding this unusual activity. 
XXXX. At that time, the fraudster had access to both my XXXX  XXXX and XXXX  XXXX XXXX. Then the fraudster called me and proved he was legit, by telling me the bank account numbers that I linked in XXXX, the recent transaction I made in XXXX, and the assets I owned in XXXX. This means he had successfully logged in to my Coinbase main app. After proving that, he urged me to transfer my crypto assets from my XXXX  main app for safety reasons, to my XXXX  XXXX app, which both belong to me. 
XXXX. Then the fraudster took over XXXX  XXXX  app and transferred my XXXX ( XXXX and XXXX ) externally ( screenshot XXXX ), which was equivalent to almost XXXX XXXX dollars. I did not aware that at all, as I did not get any notifications. 
XXXX. On the same day, I filed police report, and also contacted Coinbase customer service, but they denied any help ( screenshot XXXX ), as XXXX 's already gone and they have no control over their wallet '.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: FL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-09-10 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: IL

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-09-10 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, a fraudulent transaction in the amount of {$1100.00} from retailer XXXX XXXX was charged to a card connected to my Amex account that I never had possession or knowledge of. ( Case # XXXX ) I filed a dispute with Amex detailing how I did not authorize, purchase, or receive any products from XXXX XXXX and was unaware that I had an additional card until the fraud activity occurred.

As the case was closed by Amex I was notified that they would be re-debiting the transaction citing that the reason was because I provided the merchant with my financial information.

I attempted to email, chat ( per Amex direction ), and called twice in an effort to resolve this. In my chat session, the agent noted that something was strange about my dispute as it was showing that it was initially debited twice but only credited once. ( I'm not clear on what that means ).

In a phone conversation with an Amex agent on XX/XX/year> I explained that there is another address that gets confused with mine as it has the same address number and nearly identical street name ( mine is XXXX  XXXX XXXX , the other is XXXX  XXXX XXXX ) and that delivery often get mistakenly sent there. I asked to review the picture of the residence the package was delivered to and the agent was unable to provide me with it. I asked if I could send her a picture of my front door to see if it matched and she told me I could not. Her suggestion was to contact law enforcement to claim a theft occurred but I explained that I have no information or delivery information to file a case.

On the credit card statement I attached there are two names. " XXXX XXXX XXXX '' is my Amex card I use regularly. " XXXX XXXX '' is used to reference the additional card I did not have in my possession and I was unaware existed. On the statement you will see on page 4 the transaction for {$1100.00} under " XXXX XXXX '' from XXXX XXXX. On page 3 you will see the credit from Amex for this transaction.

Ultimately, despite my efforts, I am being made responsible for a charge to a card I didn't know existed for a package I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
I reached out To Milestone Credit Company around XXXX XX/XX/XXXXXXXX  and I havent reached that because of my hardship. I havent been able to to recover fully ever since XXXX I applied for this card to assist in the process of recovery but I was wrongly Mistaken. Interest Rates are extremely high for people with bad credit and they are notoriously known for this. I have been late on this account and Every payment I tried to make never goes through so the account is just incurring interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Requested proper validation to be certified mailed showing proof of debt owed to the company. I never signed a HIPPA form authorizing access to any such medical records. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount in dispute : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Amount in dispute : {$500.00}-

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 2024-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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