vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/2022 XXXXXXXX XXXX/2022 XXXX XXXX XXXXXXXX XXXX/2022 XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX2022 XXXX XXXXXXXX XXXX/2022 XXXX XXXX XXXX XXXX2022 XXXXXXXX XXXX/2022 XXXXXXXX XXXX/2022 XXXXXXXX XXXX/2022 XXXXXXXX XXXX2022 XXXX XXXX XXXX2022 XXXX XXXX2022 XXXX XXXX/XXXX/2022

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 2023-03-22 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: NJ

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the accounts below : XXXX XXXX XXXX XXXXXXXX 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 2023-03-22 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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the accounts below : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
Marcus CD early withdrawal of 6 months penalty is too high, its a business fraud. 

On XX/XX/2022, I opened a CD account ending XXXX with interest rate at 1.98030 % ( 2 % ) for 24 months with an initial deposit of {$250000.00} ( fund was raised from the entire family ). Unfortunately, I had to close the CD account due to family emergency on XXXX XXXX, 2022. I understand that there would be 2 month interest penalty for early withdrawal but Marcus charged me 6 months instead. Instead of earning interest for the 5 months ( XXXX XXXX  = $ {$2000.00} ), ended up my account was debited {$2400.00} on XXXX XXXX when account was closed. That's a rip off, in sin and unacceptable. Marcus is worse than a loan shark. Is such an illegal activity being monitored by the government? 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. {$2000.00} XXXX XXXX {$2400.00} I strongly believe Marcus is a big SCAM on this penalty. I wish could step in and help to get our hard earned money back. Thanks. 

I was not informed or aware of the 6 months high penalty of early withdrawal and 2 months penalty would be more reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have made multiple efforts to reach out to XXXX XXXX for my XXXX XXXX XXXX about the status of their inconsistent reporting on MY Personal consumer report! I have attatched proof of almost all details on the account reporting to multiple credit agencies The last time I reached out I was advised thee account was charged off for the amount of {$720.00} and written off. However they are still requesting I pay them. They need to send me a 1099 for the write off.At this point that means the account balance is my income and income Should NOT be reported on my consumer report under my circumstances. I have also sent a complaint to the attorney general hoping to have this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have made multiple efforts to reach out to XXXX XXXXXXXX for my XXXX XXXX XXXX  about the status of their inconsistent reporting on MY Personal consumer report! I have attatched proof of almost all details on the account reporting to multiple credit agencies The last time I reached out I was advised thee account was charged off for the amount of {$720.00} and written off. However they are still requesting I pay them. They need to send me a 1099 for the write off.At this point that means the account balance is my income and income Should NOT be reported on my consumer report under my circumstances. I have also sent a complaint to the attorney general hoping to have this issue resolved.

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 2023-03-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that i had 2 late payments on accounts that i was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy i have never been late on payments for the accounts XXXX XXXX XXXX # XXXX, XXXX # XXXX. 
Please investigate and provide proof with statements showing that these payments were late .If proof can't be provided i demand these payments be updated to on time as they should be as i was never late .Thanks

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX/2022 XXXX XXXX2022 XXXX XXXX XXXX XXXX/2022 XXXX XXXX XXXX XXXX2022 XXXX XXXXXXXX XXXX XXXX/2022 XXXX XXXXXXXX XXXX/2022 XXXX XXXX XXXXXXXX XXXX/2022 XXXX XXXX2022 XXXX XXXX2022 XXXX XXXX2022 XXXX XXXX2022 XXXX XXXXXXXX XXXX/2022 XXXXXXXX XXXX/2022 XXXXXXXX XXXX/2022

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX2022 XXXX XXXX/2022 XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX/2022 XXXX XXXXXXXX XXXX2022 XXXX XXXX XXXX XXXX2022 XXXXXXXX XXXX2022 XXXX XXXX2022 XXXXXXXX XXXX/2022 XXXXXXXX XXXX/XXXX/2022 XXXX XXXX XXXX/XXXX/2022 XXXX XXXX/XXXX/2022 XXXX XXXX/XXXX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The last installment payment that I made to this company was paid on time, I have documents that prove I made the payment on time but still reported as late. Even in their own payment history shows I paid on time. I sent them the proof through certified mail and still they haven't correct their mistake from my credit report and it is hurting me greatly.

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 2023-03-22 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 — Was not notified of investigation status or results
Company: DISCOVER BANK
State: OK

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. 

XXXX XXXXXXXX XXXX amount {$860.00} ; Discover Bank # XXXX amount XXXX, XXXX XXXX  XXXX XXXX amount XXXX, XXXX XXXX XXXX amount XXXX, XXXX XXXX XXXX  XXXX amount XXXX, XXXX XXXX XXXX XXXX amount XXXX, XXXX XXXX XXXX XXXX amount XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, 15 u.s.c.1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I had an account with Huntington national bank. On XX/XX/XXXX I was locked out of my account. I called and they told me they were closing my account for high risk. I had some deposits into the account from my XXXX account that day And payroll the day prior. This was nothing abnormal. I was told for two weeks they were sending the instant transfer deposits back to my XXXX which they never did. They keep continuing to lie to me every time I call. I have called and spent several hours on with reps and supervisors. Each time I am told something different. Its been well over 30days I have not been notified at all about the account is being closed or what is going on. I have a positive balance of {$5700.00} that they owe me. I strongly believe they are trying to keep my money as no one will give me solid answers to what is going on. No will let me know when a check is being issued to me. Last week I was told a cashier check would be sent to me this week. Today I was told they arent sending a check to me and back to the deposit account which Im assuming is XXXX. First of all it was an instant transfer so if that was the case 5 wks ago they could of sent this back instantly to XXXX and never did. They keep continuing to lie! No one will talk to me. No one has notified me of anything. I have obligations to take care of and I need my money. This is extremely unacceptable. None of the deposits accounts were new. Everything deposited in my account had deposits several times in the past. I want answers. I want my money. I want someone to work with me and be honest because this bank is doing none of that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XX/XX/ XXXX I contacted the company in regards to XXXX bankruptcy that is on my report and asked about the method of verification also for proof of verification. I was never sent this information on letters stating that they verified it, but don't state how nor was any proof given. I was only told that it was verified through XXXX XXXX also that they purchased my info from them. They also advised me that they received this through third party public information. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means 1 did not give them authorization to report this on my behalf. FCRA 623 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report. Also be aware that NO COURT IN AMERICA VALIDATES NOR REPORT to any agency or bureau. YOU HAVE 15 DAYS FROM RECIEVEING THIS TO VALIDATE THIS OR ELSE REMOVE IT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
In accordance with the fair credit reporting act 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

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 2023-03-22 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: EQUIFAX, INC.
State: DE

Complaint narrative:
In accordance with the fair credit reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the FCRA, this creditor has violated my rights. Under 15 U.S.C. 1681. Sec. 602 states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( a ) sec. 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-03-22 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: TX

Complaint narrative:
I am submitting this CFPB Complaint to dispute the presence of certain items on my credit report, which I believe to be fraudulent. I have previously disputed these items, but they continue to be reported on my credit file. I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. Please take a look at the following items : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$4900.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX. As you are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history.

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