vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/XXXX, I reached out to request my phone number be updated. Not only was I denied assistance but my Apple Goldman Sachs account was locked and I was made to change my Apple ID password, answer identity questions. Goldman Sachs claimed I answered the questions wrong serveral times and disconnected me. I reached out to a supervisor by the name of XXXX who made these claims : It means your phone number does not tie back to your name and social security number. We are unable to remove the restriction due to this. Yes however lets we can just remove the restriction. Anyone else can just call in and update your personal information easily without the verification. This is why it is vile to have this information updated. The staff is Unprofessional and t needs to be trained on customer service and acceptable processes. Every time I reached out I was met with resistance affecting my mental health and told the same script that either that For security purposes, I will need to end this interaction and make an outbound call to the phone number on your account. or I apologize but I was not able to update the phone number. I have submitted a case to have it updated. We will contact you within 48 hours. or I need to disconnect but I will call you back at the phone number given in a couple of minutes. Each time, I explained my issue they kept insisting to call me at my old number or an irrelevant number that was never on my account. Hence why I will be pursing a lawsuit and Ia m formally requesting to escalate my request regarding the update of my cell phone number associated with my Apple ID and Apple Card account. Despite calling and sending multiple messages over the past three weeks, my number has not been updated and my account remains locked. 

I find it absurd that I can not validate my identity via my state ID, social or bank account. 

Given the urgency and the considerable time already spent daily on this issue, Your immediate attention to this matter is needed and would be greatly appreciated. I will be starting the process to sue Goldman Sachs for denying me access to my accounts on baseless claims. I have proven my identity countless times and I find it ridiculous that I can not be verified via any documentation I offered such as paystubs, copy of social, State ID or Bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: TX

Complaint narrative:
THIS ACCOUNT IS INCORRECTLY BEING REPORTED AS A CHARGE OFF ACCOUNT WITH A BALANCE DUE. PLEASE PROVIDE PROOF OF THE CHARGE OFF AND UPDATE THE BALANCE TO {$0.00} OR DELETE THE NEGATIVE PAYMENT STATUS ON THIS ACCOUNTXXXX XXXX XXXX  NEED TO BE REMOVED ASAP! Also, according to the IRS A lender that cancels or forgives a debt of {$600.00} or more must send Form 1099-C to the IRS and the borrower. When requesting information on this account I have NOT received a 1099 C from the creditor or a contract bearing my signature. This account is being reported as a charge off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. I have constantly month after month to provide me the original contract with signature, a copy of payment history, and proof of debt authorization this debt isn't validate I have yet to receive all of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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 2024-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has repeatedly denied taking my payment. Were are in litigation and have been for over a year. Payments are still due yet they refuse to take my payment when I call. They revoked my online access to make payments. My hands are tied here and requesting help. This is insanity.

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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Several errors have been found when examining the credit report 's details, raising questions about the accuracy of the data because it reports differently on all bureaus. 
Under the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 
Account XXXX XXXX XXXX XXXXXXXX, Inaccurate account on my credit report. Provide verifiable proof or delete the record immediately. Account XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate account on my credit report. Provide verifiable proof or delete the record immediately. Account XXXX XXXX XXXX XXXX, Inaccurate account on my credit report. Provide verifiable proof or delete the record immediately. 
I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 I ( 5 ) they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-08-31 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-08-31 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: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
On XX/XX/XXXX a refund was issued to my closed credit card account for a purchase I made on XX/XX/XXXX. XXXX XXXX was the 3rd party servicer for credit cards issued by my bank that is now closed. The refund was accepted by XXXX XXXX and I have not received the refund. I can not get through the automated system to contact XXXX XXXX because my account is closed. Their customer service is atrocious.

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 2024-08-31 00:00:00
Product: Credit reporting 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:
THIS ACCOUNT IS INCORRECTLY BEING REPORTED AS A CHARGE OFF ACCOUNT WITH A BALANCE DUE. PLEASE PROVIDE PROOF OF THE CHARGE OFF AND UPDATE THE BALANCE TO {$0.00} OR DELETE THE NEGATIVE PAYMENT STATUS ON THIS ACCOUNT. XXXXXXXX XXXX  NEED TO BE REMOVED ASAP! Also, according to the IRS A lender that cancels or forgives a debt of {$600.00} or more must send Form 1099-C to the IRS and the borrower. When requesting information on this account I have NOT received a 1099 C from the creditor or a contract bearing my signature. This account is being reported as a charge off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. I have constantly month after month to provide me the original contract with signature, a copy of payment history, and proof of debt authorization this debt isn't validate I have yet to receive all of this information.

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 2024-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$210.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$320.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$890.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX {$970.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$800.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$1500.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$10.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX TXXXX Account Number : XXXX {$210.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$1500.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$10.00} XX/XX/XXXX XXXX Account Number : XXXX {$320.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$890.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX {$970.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$800.00} XX/XX/XXXX TransUnion : XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$210.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$10.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$4.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX {$620.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$800.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX {$970.00} XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX {$890.00} 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 non-monetary relief
Consumer complaint received 2024-08-31 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$210.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$320.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$890.00} XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX {$970.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$800.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$1500.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$10.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX Experian : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$210.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$1500.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$10.00} XX/XX/XXXX XXXX Account Number : XXXX {$320.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$890.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX {$970.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$800.00} XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$210.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$10.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$4.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX {$620.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$800.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) Account Number : XXXX {$970.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX {$890.00} 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 non-monetary relief
Consumer complaint received 2024-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Coast to Coast Financial Solutions, Inc.
State: OH

Complaint narrative:
I am writing to file a formal complaint against Coast to Coast Financial Solutions regarding their unlawful practices related to a debt they have reported on my consumer credit report.

Violations : 1. Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), a collection agency is required to provide validation information upon request. I have requested this information but they have failed to comply. Despite not providing the legally required validation information, they have placed a collection account on my consumer credit report.

2. Unauthorized Reporting to Consumer Reporting Agencies : Coast to Coast Financial Solutions has reported this alleged debt to the consumer reporting agencies without providing any and all disclosures required by law, in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). Their failure to provide the necessary disclosures before reporting the debt is a blatant disregard for my rights as a consumer. 
XXXX. Lack of Licensing to Collect in Ohio : Additionally, Coast to Coast Financial Solutions is not licensed to collect debts in the state of Ohio. They are therefore operating illegally within the state and have no authority to report this debt or pursue collection activities against 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 2024-08-31 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: AZ

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to questions specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX 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 2024-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions

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