vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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 want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-06-24 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:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
On XX/XX/XXXX I received an email stating that my physical Apple Card was expiring and would be replaced. The replacement would be shipped automatically. It did not arrive. 

On XX/XX/XXXX, I engaged Apple Card support via text message on my Apple device. They informed me the card must have been lost in transit and immediately processed a replacement card ( I can furnish screenshots of this conversation ). 

Today, on XX/XX/XXXX, I inquired about the status of my replacement as I had not received any communication about it since the text message exchange on XX/XX/XXXX. I was informed today that no shipping information was created for the replacement, and that they would process a *second* replacement card today. After submitting my address, I was informed that the address that Goldman Sachs has on file is different. So they provided me steps to check my address I have on file through my device ( Go to Settings > Wallet and Apple Pay > Shipping Address ) which was in fact my current address where I have lived since XX/XX/XXXX. 

After approximately 90 minutes of unhelpful communication ( having a huge bank gaslight a customer into thinking they don't know their own address is certainly a choice... ) it became clear that Goldman Sachs has a DIFFERENT address than my address. I suspect it is a former address of mine, however, per " XXXX '' on the phone with Goldman Sachs, there appears to be no way to simply update the address on their end. 

I believe this constitutes a serious problem with Goldman Sachs ' internal Personal Data policies and should be investigated. How many customers are having cards, statements, etc. sent to incorrect addresses? And Goldman Sachs has provided no way to solve this issue. Instead, multiple Apple Cards are apparently arriving at a former address. This does not seem safe or responsible for my personal finances. 

I am happy to discuss this in more detail or provide supporting documentation as necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: FL

Complaint narrative:
I need the credit bureaus to delete all inaccurate addresses from my 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 non-monetary relief
Consumer complaint received 2024-06-24 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:
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. 

Account Name : XXXX XXXX Account # XXXX has violated my rights. 

Account Name : XXXX Account # XXXX has violated my rights Account Name : XXXX XXXX XXXX  Account # XXXX has violated my rights Account Name : XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear TransUnion Consumer Solutions, I am writing to dispute several inaccuracies on my credit report. The following accounts contain incomplete and inaccurate information that violates the Fair Credit Reporting Act ( FCRA ). Therefore, I am requesting the immediate removal of these accounts from my credit report. 

Below are the details of the disputed items : XXXX. Account Name : XXXX XXXX XXXX  Account Number : Ending in XXXX Dispute Reason : This account is incorrectly reported as being in collection status. The information is incomplete and inaccurate. 
Requested Action : Please remove this account from my credit report immediately. 
XXXX. Account Name : XXXX Account Number : XXXX Dispute Reason : This account is inaccurately reported as being in collection status. The information is incomplete and inaccurate. 
Requested Action : Please remove this account from my credit report immediately. 
XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : Ending in XXXX Dispute Reason : This account is incorrectly reported as being in closed status. The information is incomplete and inaccurate. 
Requested Action : Please remove this account from my credit report immediately. 

The information reported is in violation of the FCRA, which mandates that credit reporting agencies maintain accurate and complete information. In cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ), the Supreme Court underscored the importance of accurate reporting. Additionally, in XXXX v. TransUnion LLC ( XXXX XXXX XXXX XXXX, XXXX ), TransUnion was held liable for failing to ensure accurate information on 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 2024-06-24 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: FL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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:
I am disputing these accounts and requesting an investigation since they are incorrectly reported on my credit file. According to the Fair Credit Report Act, I am entitled to {$1000.00} for each erroneous entry. Additionally, FCRA 605B mandates reporting any inaccuracies in a consumer 's 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 non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: World Acceptance Corporation
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX, I paid {$15000.00} to XXXX XXXX for a program that included housing for XXXX months. On XX/XX/XXXX, I was informed I was being kicked out of this housing ( that I had prepaid for ) on XX/XX/XXXX. 

Soon after, after not receiving any information from XXXX about new housing or a passable explanation for why I was being kicked out of housing I had a contract for, I filed a dispute with Chase. I provided evidence that I was not provided with the services I paid for, and asked them to let me know if they needed anything else from me. 

On XX/XX/XXXX, I received a phone call from Chase and an agent told me that I could expect the disputed amount ( more than {$10000.00} ) to be a permanent credit in my account within the next week or two, and that they would let me know if they needed anything else from me or whenever they had another update. 

On XX/XX/XXXX, when I logged into my account, I noticed I had been rebilled for the disputed amount ( with no communication from Chase ). I appealed the dispute findings, and spent more than 10-15 hours on hold and on the phone with Chase over the next couple of months, only to eventually learn that my appeal was never considered, because it was past the deadline to appeal the decision. However, the dispute was decided after this deadline, and I never was told this in all of the time I spent on the phone with them, or communicated in any other way. 

I got connected to their executive team, and basically have lived through this process again over the past couple of months, with terrible communication, failed promises to call me back ( even after a message sent through a colleague was acknowledged that Id cleared my schedule for the full day ), and it is just absolutely unacceptable how they have handled my problem and their disregard for me receiving more than {$10000.00} in services I did not receive. This is XXXX worse than any other customer experience I have had, and now Ive been charged another annual fee because theyve taken so long to not get me help with my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
RE : Inaccuracies report to credit file & Violations of my Consumers Rights. 

I am contacting you because I recently pulled my credit report, and I found some information that is inaccurately being reported. Below are accounts that are displaying as being charged-off, if these accounts were indeed charged-off, then why didnt I not receive a copy of a 1099C from the creditors. They received a tax write-off, and I should not have this debt reported on my credit profile. Therefore, send me any forms or any documentation showing that you have the right to report this as a debt. If you can not provide this information, please remove the mentioned accounts from my credit report immediately. According to the IRS, cancelled debt ( charge-off ) is gross or ordinary income. Therefore, these charge-offs are considered as income and income should not be reported on my consumers report. 

Account Names and Account Numbers : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is a violation of my consumers right, according to the Fair Credit Reporting Act FCRA : 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear TransUnion Consumer Solutions, I am writing to dispute several inaccuracies on my credit report. The following accounts contain incomplete and inaccurate information that violates the Fair Credit Reporting Act ( FCRA ). Therefore, I am requesting the immediate removal of these accounts from my credit report. 

Below are the details of the disputed items : XXXX. Account Name : XXXX XXXX XXXX Account Number : Ending in XXXX Dispute Reason : This account is incorrectly reported as being in collection status. The information is incomplete and inaccurate. 
Requested Action : Please remove this account from my credit report immediately. 
XXXX. Account Name : XXXX Account Number : XXXX Dispute Reason : This account is inaccurately reported as being in collection status. The information is incomplete and inaccurate. 
Requested Action : Please remove this account from my credit report immediately. 
XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : Ending in XXXX Dispute Reason : This account is incorrectly reported as being in closed status. The information is incomplete and inaccurate. 
Requested Action : Please remove this account from my credit report immediately. 

The information reported is in violation of the FCRA, which mandates that credit reporting agencies maintain accurate and complete information. In cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ), the Supreme Court underscored the importance of accurate reporting. Additionally, in XXXX v. TransUnion LLC ( XXXX XXXX XXXX XXXX, XXXX ), TransUnion was held liable for failing to ensure accurate information on 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