vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 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: GA

Complaint narrative:
I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There is an address that is being reported on my credit report that I haven't resided at before and I would request that it be removed from my report. Also, I am requesting a full credit report with the updated information, please. 
XXXX XXXX XXXX XXXXXXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There is an address that is being reported on my credit report that I haven't resided at before and I would request that it be removed from my report. Also, I am requesting a full credit report with the updated information, please. 
XXXX XXXX XXXX XXXX, OH 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 2023-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
Since XX/XX/2023 Convergent outsourcing calls everyday and most days they call twice. I told them I was going thru a personal issue and financially I have no income and about to lose my home and they called again 12 hours later. I asked to call me in a month and she didn't listen and called me again.

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 2023-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
Around XX/XX/2023, I opened an Apple Savings account with Goldman Sachs. Over the following weeks, I transferred all my savings to that account. 

On XX/XX/2023 I successfully made a withdrawal. However, when I attempted to withdraw more money on XX/XX/2023, that and all subsequent attempts to withdraw my money were declined. I immediately contacted support on chat for assistance, but the agent was not able to help beyond saying she had made notes of the problem. 

On XX/XX/2023, I noticed a message had appeared on my account that said " Savings Account Restricted. Your savings account has been restricted. Contact Support for more information. '' I immediately contacted support and was told there was a problem with the telephone number on my account. I recently moved and changed numbers, but Goldman Sachs were unable to update my number and offered no facility for me to correct it. The agent said I would be contacted in a few days when the back-office team had investigated it. 

I waited a few days and called again on XX/XX/2023, and was told there was no update and there was nothing I could do except call again later to ask for an update. 

I called again on XX/XX/2023 and even though I explained I have bills due and no way to pay them without access to my savings, I was still told there was nothing I could do except wait and that I would be contacted in a few days. 

I explained that I felt like my money was being held hostage and asked what legal recourse I had available. The agent couldn't offer any information and when I asked for a name and address to file a report, the agent was similarly not able to provide that information. 

I have not had access to my savings for nearly two weeks now and repeated calls to Goldman Sachs have not provided any means for me to regain access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I received a copy of my credit report and to my surprise theres a new address on my credit report. Ive disputed this inaccurate information several times and Experian refuses to remove the inaccurate information. Even after providing proof of address so that my proper information reflects on my report Experian still refuses to remove these addresses. In accordance with the FCRA any and all inaccurate information shall be removed from a consumers credit report. With the data breaches & the bureaus reporting millions of consumers information incorrectly the last thing a consumer should have to do is jump through hoops to get things removed that the LAW states I have a right to do not a privilege. The addresses are XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX please assist

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 2023-06-02 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-06-02 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: MD

Complaint narrative:
I am writing to bring to your attention a significant error on my Equifax credit report, which is negatively impacting my financial opportunities. My correct name is XXXX XXXX, and my current address is XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX. However, the Equifax credit report is displaying the name XXXX XXXX and an incorrect address of XXXX XXXX XXXX XXXX XXXX, XXXX, NH XXXX. 

I have already contacted Equifax multiple times to address this issue, providing them with the necessary documentation to verify my correct name and address. Unfortunately, despite my efforts, Equifax has failed to correct this error and ensure that my credit report reflects accurate and up-to-date information. 

This erroneous information has caused significant difficulties for me, particularly when attempting to obtain credit. Lenders and financial institutions rely on accurate credit reporting to assess my creditworthiness and make informed decisions. The incorrect name and address on my Equifax credit report have created confusion and inaccuracies, resulting in denials or unfavorable terms for credit applications. 

Equifax 's failure to rectify this error is not only a violation of their duty to ensure 100 % accurate credit reporting but also a violation of the Fair Credit Reporting Act ( FCRA ). As a consumer, I rely on the credit reporting agencies to maintain accurate and reliable credit information, and Equifax 's inaction has severely compromised my trust in their services. 

I kindly request your intervention in resolving this matter promptly. It is crucial that Equifax corrects the name and address information on my credit report to reflect my accurate and current details. This will not only restore the integrity of my credit report but also ensure fair and accurate evaluation of my creditworthiness by lenders and financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: MD

Complaint narrative:
On Thursday XX/XX/2023 I sent XXXX $ through world remit and they have removed the money from my account but the recipient hasnt received the money yet

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On our around XX/XX/XXXX WellFargo took my car. I sent a complaint to the bureau earlier this year because according my records the debts were paid. I also sent in an FTC identity fraud complaint against the company. During the months of XXXX my car was impounded, Wells Fargo contacted the pound while my case with the FTC was open. A violation of my rights. They also sent a breakdown of the contract signed and the numbers, however those numbers are not a TRUE accounting of the contract, as a financial audit will reveal and they never did. As of a letter dated XX/XX/2023 from Wells they are threatening to sell my car, in which after doing a XXXX lien search they NEVER had a lien on me or the car. Also according to my documentation they never even had their name on the orginal title of the car. I want my car back asap and I am disputing charges and looking to arbitration to solve this dispute. I have made my brother power of attorney to help with this matter as well.

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 2023-06-02 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:
someone stole my credit card and used it, it was a XXXX XXXX XXXX XXXX. XXXX XXXX took care of that immediately, but then on XX/XX/XXXX I got a XXXX XXXX hard inquiry on my XXXX that I did not inquire about, I called to get that taken care of but they told me the inquiry wouldn't come off for over 100 days. 

on XX/XX/XXXX I got a hard inquiry on my transunion from XXXX XXXX XXXXXXXX, I called them to get it taken care of and got told the same thing and that they will be placing a fraud alert on my credit. 

XX/XX/XXXX I received a fraud alert from transunion a credit pull was attempted by a bank named XXXX XXXX 

back in XXXX XXXX I received a letter in the mail letting me know my information had been apart of the XXXX data breach, so I'm afraid this could have something to do with this unfortunately. 

I have since then locked all 3 credit bureaus but whoever is trying to steal my identity is calling these companies claiming to be me, trying to log into my XXXX account I'm assuming to unlock my credit, and going as far as posing as the department of real estate sending me a letter claiming they need my finger prints, I called the DRE to confirm this letter and they confirmed it was NOT them and to please disregard the letter they never sent that to me.

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 2023-06-02 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:
someone stole my credit card and used it, it was a XXXX XXXX XXXX XXXX. XXXX XXXX took care of that immediately, but then on XX/XX/XXXX I got a XXXX XXXX hard inquiry on my XXXX that I did not inquire about, I called to get that taken care of but they told me the inquiry wouldn't come off for over 100 days. 

on XX/XX/XXXX I got a hard inquiry on my XXXX from XXXX XXXX XXXXXXXX, I called them to get it taken care of and got told the same thing and that they will be placing a fraud alert on my credit. 

XX/XX/XXXX I received a fraud alert from XXXX a credit pull was attempted by a bank named XXXX XXXX 

back in XXXX XXXX I received a letter in the mail letting me know my information had been apart of the Equifax data breach, so I'm afraid this could have something to do with this unfortunately. 

I have since then locked all 3 credit bureaus but whoever is trying to steal my identity is calling these companies claiming to be me, trying to log into my XXXX account I'm assuming to unlock my credit, and going as far as posing as the department of real estate sending me a letter claiming they need my finger prints, I called the DRE to confirm this letter and they confirmed it was NOT them and to please disregard the letter they never sent that to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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:
someone stole my credit card and used it, it was a XXXX XXXX XXXX XXXX. XXXX XXXX took care of that immediately, but then on XX/XX/XXXX I got a XXXX XXXX hard inquiry on my experian that I did not inquire about, I called to get that taken care of but they told me the inquiry wouldn't come off for over 100 days. 

on XX/XX/XXXX I got a hard inquiry on my XXXX from XXXX XXXXXXXX XXXX, I called them to get it taken care of and got told the same thing and that they will be placing a fraud alert on my credit. 

XX/XX/XXXX I received a fraud alert from XXXX  a credit pull was attempted by a bank named XXXX XXXX 

back in XXXX XXXX I received a letter in the mail letting me know my information had been apart of the XXXX data breach, so I'm afraid this could have something to do with this unfortunately. 

I have since then locked all 3 credit bureaus but whoever is trying to steal my identity is calling these companies claiming to be me, trying to log into my Experian account I'm assuming to unlock my credit, and going as far as posing as the department of real estate sending me a letter claiming they need my finger prints, I called the DRE to confirm this letter and they confirmed it was NOT them and to please disregard the letter they never sent that to me.

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 2023-06-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: LA

Complaint narrative:
I have reached out to all the credit bureaus on XX/XX/2023 in regards to unauthorized and invalid accounts, inquiries, and personal information that have been reported on my account due to identity theft. I attached all my supporting documents and even reached out to the creditors. The creditors were no help and couldn't even find my account which is upsurd. No one has followed the law throughout this process, I requested the steps on how these fraud items were investigated and no one has done so, As a consumer I know my rights. Per 15 usc 1681b this is against the law and i need all the items removed immediately or else I would be forced to take legal action. I will give the companies one more have to resolve this matter THE RIGHT WAY!

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, Many of the items on my credit report originated more than 7 years ago and therefore are required by the updated laws and regulations under FCRA as of 2023.

The following items include All four collections which are duplicates of other accounts, one of which was paid until my date of departure from the house. Under Rhode Island law, when your contractual obligation to a residence ends the bills become the responsibility of the home owner. Please verify age of origination for all accounts and delete all of the old information from my report. It has caused me great damage for a huge portion of my life. I'm now entering my mid XXXX 's with XXXX children and a mother to provide for and I'm still being punished for mistakes I made in my early XXXX 's. I have paid for many accounts to be deleted. I have repeatly contacted all three reporting agencies over the years and still I have never been able to get these old account removed. 

Any account, past the origination age of 7 years ( not the date of closure ) by law must be removed promptly or I will file suit against all three credit agencies and seek the maximum amount of damages allowed to me by law. 

Thank you kindly for reading.

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 2023-06-02 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: NJ

Complaint narrative:
I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay.

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 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
From XXXX XX/XX/XXXX to now, there were in total:XXXX earned Bilt points taken out of my Bilt Reward account ; here are the Bilt Credit Card transaction records relating to those missing points that were earned from eligible transactions : XXXX XXXX + XXXX points XXXX XXXX + XXXX points XXXX XXXX points XXXX XXXX + XXXX + XXXX points XXXX XXXX points XXXX XXXX points I reached out to customer service on day of XX/XX/XXXX to request the XXXX points back to my account. However, customer service representative rejected my request on day of XXXX and their reason is that : because I have not met minimum number of transactions requirement, the earned points are taken out of my account because of their program rules. 
However, there is no ground of their rejection has no ground : First, the terms and conditions of how Bilt rewards points can be earned were not adequately explained to the customer when the customer initially signed up for the Bilt Reward credit card. 

Second, on XX/XX/XXXX, there was a email sent from XXXX to me, with the subject : " An update on your Bilt Rewards Points Bank ''. This email clearly states that " were waiving the minimum transaction requirement '' because " We know it can take some time to get used to using Bilt ''. And more importantly, the email doesn't specify a date about which date is " when we transition back to our normal terms ''. And there has been no other communication neither until now about when Bilt reward transitions back to the " normal terms ''. 

Third, in addition to the fact that, the earned points from eligible transactions were taken out of my account due to an illegible reason - the minimum transaction requirement already has been waived by Bilt ( see Second ), Bilt reward also produces erroneous points statements. For example : XX/XX/XXXX XXXX points were earned from an XXXX purchase, but then were removed even though the minimum transaction requirement has been waived by Bilt. 

XX/XX/XXXX another XXXX points were removed from my account because of refund from XXXX produce return In total, I lost XXXX points just because I attempted to shop at XXXX ; there has been no correction or communication on the mistakes of points statement from Bilt reward program

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 2023-06-02 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act the following creditors have violated my rights. Under code 15 USC 1681 ( a ) ( 4 ) The following creditors violated my privacy rights 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 response to consumer: Closed with explanation