vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
To whom it may concern Im reaching out to you to get some type of resolution for my Apple Card by Goldman Sachs. I have been dealing with this issue for over 2 years and I hope you can assist. During the XXXX pandemic I received notification from several credit card companies including Goldman Sachs to assist users affected by the crisis and how they were there to assist. I had the card for a year or so with on time payment history. I reached out to goldman sachs around XX/XX/XXXX to obtain assistance from the said company above. I explained to them that I was not able to make my monthly payment that month due to reduction of hours and wanted to be placed on the program that will prevent me from going 30 days past due. My credit is one of my top priorities, so I wanted to be proactive with this beforehand. I spoke with a representative who advised they could assist and to make sure I dont go into delinquency. To my surprise I get an alert that my credit scored dropped. When I checked the alert, it was due to a miss payment from Apple card. I immediately called goldman sachs to explain to them that I was placed on a program for customers effected by covid. I was told that they would need to find and listen to the phone call and would be contacted under pending investigation. A few months later at the end of XXXX I was told they would refund the interest and that credit reporting would be updated with all 3 bureaus. Since XXXX this has not been done and it still shows a late payment for both XXXX and XX/XX/XXXX. I have called into Goldman Sachs several times the last two years to get this resolved and Ive been getting the run around every single time. I asked them where the recording is so you can hear the discussion and was told its only for internal used. I have called several times to explain whats been going on and Ive been hung up on, kept on hold, or being told to dispute it with the credit agencies. I explained to them to look at my payment history and that I never missed a payment until the rep gave told me which I now found out was the wrong information. 
Ive tried to speak with the XXXX XXXX  department and financial services regarding this matter. The representative gave me incorrect information that negatively impacted my credit. This is negligent and unfair as a consumer and the consequence is my credit history being dropped due to this. I asked a supervisor what happens if the rep gives out wrong information to a consumer that could damage their credit and was told it was nothing, they can do about that. Im reaching out in hopes that you can assist with me getting the incorrect information removed. 

Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Peterson Enterprises, Inc.
State: WA

Complaint narrative:
Valley empire collections in XXXX XXXX, WA has inaccurately reported collection accounts as well as amounts to XXXX on multiple occasions after notification from me that I don't believe I am the owner of said accounts and the account that I do own had been duplicated and split into separated accounts. I requested proof of original debt XXXX  years ago and was sent a spreadsheet printout from collection agency with my name listed and account numbers typed with amounts next to them .....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to bring to your attention an urgent matter concerning my credit report. According to the Federal Trade Commission ( FTC ) Report Number : XXXX, I have identified some unauthorized inquiries on my credit report. I did not provide any authorization for these inquiries, and, as such, I am formally requesting their immediate removal from my credit report. 

Details of unauthorized inquiries : 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 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 I am deeply concerned about the potential negative impact these unauthorized inquiries XXXX have on my credit score and financial standing. As a responsible consumer, I consistently monitor my credit report to ensure its accuracy and security. 

I kindly request TransUnion to initiate a thorough investigation into these unauthorized inquiries and promptly remove them from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) grants consumers the right to dispute inaccurate information on their credit reports, and I am exercising this right in seeking the removal of these unauthorized inquiries. 

I appreciate your prompt attention to this matter and request that you provide written confirmation of the actions taken to resolve this dispute. According to the FCRA, I expect a response within 30 days of receiving this letter. 

FTC Report Number : 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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I visited a website on XX/XX/2023 and it was supposed to be a free to see my XXXX credit reports. I was charged XXXX on XX/XX/2023 and also on XX/XX/2023. Thankfully I was refunded for the XXXX charge on my account but I'm trying to be proactive and try to make sure it doesn't happen again this month or any other time either. I'm going to include screenshots of my XXXX XXXX account charges and the website also.

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 2024-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries 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 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 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXE XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2024-01-10 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: TX

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2024-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
hello so i recently checked my credit report and noticed some hard inquiries that were not authorized by me and is totally incorrect. here is a list of the hard inquiries 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 i have already made an FTC Report and this is the Report 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 2024-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Although I appreciate your efforts to correct certain errors in my credit reports, one account still has to be fixed. The XXXX and TransUnion Credit Bureaus are required to verify this account ( A ) by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This disputed account has to be corrected. 
XXXX XXXX XXXX XXXX : {$0.00}.

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 2024-01-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Although I appreciate your efforts to correct certain errors in my credit reports, one account still has to be fixed. The XXXX and XXXX Credit Bureaus are required to verify this account ( A ) by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This disputed account has to be corrected. 
XXXX XXXX XXXX XXXX : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: ENOVA INTERNATIONAL, INC.
State: WA

Complaint narrative:
Unauthorized hard inquiries have been showing up often

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/2024 To whom it may concern : I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). 

You also violated 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ), and 15 USC 1681e ( b ) Once you have deleted the accounts from my credit report, please send me a copy of my updated Thank you,

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 2024-01-10 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/2024 To whom it may concern : I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). 

You also violated 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ), and 15 USC 1681e ( b ) Once you have deleted the accounts from my credit report, please send me a copy of my updated Thank you,

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 2024-01-10 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: U.S. BANCORP
State: WA

Complaint narrative:
There are unauthorized inquiries on 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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I recently pulled up my credit report and I noticed a couple of inquiries that I don't recognized or approve. I need help remove them of my report they are as following XXXXXXXX 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 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 2024-01-10 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: PA

Complaint narrative:
I recently checked my credit report and saw reporting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: PA

Complaint narrative:
I recently checked my credit report and saw reporting that I do not recognize.

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 2024-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Date of transaction : XX/XX/XXXX Bull City Financial contacted me via phone call about a hospital bill. They asked me to set up payments or to pay in full. I told them I could not afford to pay the bill in full & asked them if they could accept a discounted settlement of {$2500.00} paid in full. The representative told me she would have to send the request up to her manager. I was worried about this being reported on my credit & advised the rep as such. The rep told me that my account would be placed on hold, would not be reported to any credit bureau agency, & that they would notify me of their decision. I consistently check my credit score & found that Bull City did report me to the credit bureaus. I never received a phone call, email, or letter regarding my request for settlement. When I contacted Bull City on XX/XX/XXXX, the rep confirmed that I had not, in fact, been contacted by Bull City. This seriously impacted my credit score, which was over XXXX, and has jeopardize my business & a real estate transaction in progress. I spoke to a rep who told me that it would take weeks for my credit to be cleared of this action. I want this to be cleared immediately, an apology & an explanation, in writing, of why I was not contacted. I also want them to accept a fair settlement amount & refund me the difference. I would also like written proof that this medical bill belongs to me, an itemized statement of the charges, and proof that no part of the original bill was written off by the original debtor ( as the original debtor has no record of me owing them for this account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: FL

Complaint narrative:
To whom it may concern Im reaching out to you to get some type of resolution for my XXXX XXXX by XXXX XXXX. I have been dealing with this issue for over 2 years and I hope you can assist. During the XXXX pandemic I received notification from several credit card companies including XXXX XXXX XXXX assist users affected by the crisis and how they were there to assist. I had the card for a year or so with on time payment history. I reached out to XXXX XXXX around XX/XX/XXXX to obtain assistance from the said company above. I explained to them that I was not able to make my monthly payment that month due to reduction of hours and wanted to be placed on the program that will prevent me from going 30 days past due. My credit is one of my top priorities, so I wanted to be proactive with this beforehand. I spoke with a representative who advised they could assist and to make sure I dont go into delinquency. To my surprise I get an alert that my credit scored dropped. When I checked the alert, it was due to a miss payment from XXXX XXXX. I immediately called XXXX XXXX to explain to them that I was placed on a program for customers effected by covid. I was told that they would need to find and listen to the phone call and would be contacted under pending investigation. A few months later at the end of XXXX I was told they would refund the interest and that credit reporting would be updated with all 3 bureaus. Since XXXX this has not been done and it still shows a late payment for both XXXX and XX/XX/XXXX. I have called into XXXX XXXX several times the last two years to get this resolved and Ive been getting the run around every single time. I asked them where the recording is so you can hear the discussion and was told its only for internal used. I have called several times to explain whats been going on and Ive been hung up on, kept on hold, or being told to dispute it with the credit agencies. I explained to them to look at my payment history and that I never missed a payment until the rep gave told me which I now found out was the wrong information. 
Ive tried to speak with the XXXX XXXX  department and financial services regarding this matter. The representative gave me incorrect information that negatively impacted my credit. This is negligent and unfair as a consumer and the consequence is my credit history being dropped due to this. I asked a supervisor what happens if the rep gives out wrong information to a consumer that could damage their credit and was told it was nothing, they can do about that. Im reaching out in hopes that you can assist with me getting the incorrect information removed. 

Thank you so much.

Company response to consumer: Closed with explanation