vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Hello, so on XXXX I was looking for job and I got an email saying I got a remote job that they will by my equipment and everything. Then the Scammer ask for my ID which I give to him and my address and he mail me a false check of XXXX $ to my home the next day. After that he sent me the offer letter he demanded that I pay for some of the cost out of pocket and and would be reimbursed for the money. So I ended up spending almost XXXX $ in gift cards on my credit until I did some research about the company and I ask the company they were impersonating and they told me that that wasnt them and he sent me photos of the packaging which made me very confused because Im like is this real. Then I search up the image on google and found the same image on there. This is when I knew I got scammed and immediately file a report to my bank about the issue in XXXX. Now my bank denied my dispute and I dont know what to do I am aXX/XX/XXXX and dont have the funds to pay it back and dont want this to mess up my credit. 

This was all on XX/XX/XXXX and it was a virtual interview through text messages and the contact was by Email. Using the companys logo and everything!!!

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 2024-11-08 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I recently read about the issue with the Goldman Sachs Apple Card. Although this dispute is old, I thought I had no recourse, despite XXXX appeals and XXXX rejections from Goldman Sachs. It involved XXXX charges of {$5700.00} and {$2500.00} to Meeg Movers, I disputed both charges, on the advice of my attorney, because my items were not delivered as promised and the mover was not responding to my telephone inquiries. In fact they blocked my number. When the mover finally responded, they demanded payment via XXXX check. My attorney negotiated a delivery payment of {$7900.00}, which I paid via XXXX check. I provided Goldman with a copy of the check on XXXX occasions. In correspondence with the bank, the moving company provided false information to Goldman, claiming they delivered on an earlier date, XX/XX/XXXX, instead of XX/XX/XXXX as the cashiers check clearly indicated. They also provided a document they say was signed by me. I informed Goldman I never saw the document, and the signature was a forgery. Despite all of this Goldman denied my dispute 3 times and sided with the mover- effectively allowing them to be paid twice. 
This complaint is old, because I did not realize I had any recourse. Only when I learned of the fine imposed by this body on Goldman Sachs did I realize I had a place to appeal

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-08 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: CA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-08 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: CA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
A Capital One representative called me approximately 3 weeks ago in response to my complaint regarding their denial of a credit increase. The representative divulged there are two accounts on file for me, and that the first account closed in XXXX ( more than 11 years ago ). I asked why would the old account still be in my record and she didnt know. I also reminded her that companies are required to keep financial records for seven years, and that time has long passed. She said she would investigate. The company responded that the denial of my credit was based on dti ratio, which isnt true. After the decision Capital One now refers to itself as Capital One Silver ( prior to the complaint, it was simply capital one. This lets me know, that the former account was a huge factor in the decision to not increase my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: OH

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

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 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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.

Resources

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 2024-11-08 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 am writing to formally dispute the following accounts listed on my Transunion credit report, as I believe they are unverifiable and inaccurate : XXXX. XXXX XXXX XXXX Account in the amount of {$870.00} Account in the amount of {$920.00} XXXX. Paradigm Assets Recovery Account the amount of {$14000.00} Transunion has previously responded to my dispute by stating that the XXXX XXXX XXXX accounts were verified. However, I have never received any documentation or proof of these debts from XXXX XXXX XXXX. Additionally, I have never had a contract or signed agreement with XXXX XXXX XXXX, a collection agency acting on behalf of XXXX. XXXX also has no record of any application bearing my signature. Similarly, regarding the XXXXXXXX XXXX XXXXXXXX account, I have not received any proof or validation of this debt. I have no recollection of any agreement or contract with XXXXXXXX XXXX XXXXXXXX, and there is no documentation provided to substantiate this claim. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to a full and documented verification of any account reported on my credit file. Without such proof, Transunion has no grounds to claim these accounts are verified. Furthermore, under the doctrine of estoppel by silence, as supported in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, it is assumed that failure to provide proof when required indicates that no such proof exists. Therefore, if XXXX XXXX XXXX and XXXX XXXX  XXXX can not produce documentation proving these debts, it should be presumed that no such debts exist. I formally request that Transunion : XXXX. Provide me with documented proof from XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX verify the legitimacy of these accounts, including any contracts bearing my signature. XXXX. Delete these accounts from my credit report if no documentation can be provided. I appreciate your prompt attention to this matter and expect a thorough investigation, as required under the FCRA. Please respond with confirmation of your investigation and any resulting changes to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this bankruptcy should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the bankruptcy still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX and myself has part ways since XXXX this information is still listed on my credit report. this account has been closed for several years, Ive ask for it to be removed

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX and myself has part ways since XXXX this information is still listed on my credit report. this account has been closed for several years, Ive ask for it to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-11-08 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: TN

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 U.S.C. 1681 15 U.S.C. section 602 A thanks I have right to privacy.

15 U S.C1681 section 604 A section 2 it also States a consumer reporting agency can not furnish a 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 items of information or adverse items of information other than records of conviction of crimes which antidates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) a person should 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. 
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: VA

Complaint narrative:
For over 12 months, I have been disputing unauthorized accounts and inquiries reported by TransUnion, despite providing substantial documentation of identity theft. I have submitted both police reports and an FTC report, which support my claims of fraud and identify specific inaccuracies on my credit profile. Additionally, other credit bureaus have investigated these items and deleted them from my report after confirming their unauthorized status. 

The disputed entries on my TransUnion report are as follows : Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Actions Taken by Me : Documented Identity Theft : I submitted a police report and an FTC report confirming identity theft, both of which should warrant immediate investigation and appropriate action to rectify these unauthorized entries. 

Submission of Evidence : I provided TransUnion with proof from other credit bureaus that have already removed these entries after completing their own investigations. 

Repeated Disputes : Despite my repeated disputes over the past 12 months, TransUnion has failed to remove these entries or provide sufficient verification of their legitimacy. 

Requested Action : I am formally requesting that TransUnion : Immediately delete the unauthorized accounts and inquiries listed above, in line with the Fair Credit Reporting Acts standards for accuracy. 
Provide detailed documentation used to verify these disputed items if they can not be immediately deleted. 
If these requests are not fulfilled, I will escalate this complaint through additional formal channels, as my rights under the FCRA, FDCPA, and TILA require prompt correction of inaccurate, incomplete, or unverifiable information. 

Thank you for your attention to this matter.

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 2024-11-08 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: AL

Complaint narrative:
Hello, I'm reaching out in response to reports of unknown & incorrect information on my credit profile with the credit bureau and I have been in compliance of all protocols. However, the agency is Violating my rights & listing inaccurate information that is unjust to my social & my name. The supporting documents have been sent in. That they ask for. I've also did identity theft online and with local agencies and sent them the information also I have made multiple attempts also stating that per FCRA Laws this is incorrect listed on multiple different levels. 15 USC 1681s-2a 15USC-1681 If information is listing inconsistently overboard and a few of the other agencies removed the information for that reason. Of and accuracy and inconsistent of being correct then all of it should be deleted...

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 2024-11-08 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. I have attached a copy of my FTC report and several identity documents to further identify myself.

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