vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 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:
Equifax is repeating violating my rights, as well as the Fair Credit Reporting Act. Despite several correspondences I've had with them, they refuse to correct and continue to report inaccurate and unverifiable derogatory information about me. On numerous occasions over the last several years, including as recently as this morning, XX/XX/2022, I have requested verification of this debt per my consumer rights pursuant to the Fair Credit Reporting Act. They have allegedly verified this account several times electronically with the original creditor but never once to me as mandated by law. I have actually disputed this debt with the data furnishers several times, directly, but they have to date failed to provide proof that this account is mine, as requested per the FDCPA, so I am certain that Equifax has not properly investigated, verified or validated anything despite their claims to have researched and verified these accounts. On XX/XX/2022, two Equifax agents were reminded of the FCRA which states that, after reinvestigation, any information that is inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. Both agents admitted to being aware that the FCRA states this yet refused to comply with the FCRA and my request that the accounts be removed. They both insisted that I must file ANOTHER dispute so that ANOTHER " investigation '' could be performed, but neither provided me with proof of the investigation that Equifax claims has ALREADY been completed for the information that remains on my consumer report. They both also admitted that their dispute process doesn't even include an investigation that is in accordance with the FCRA and when asked for proof that they had my written permission to furnish a consumer report using my name, in the first place, they both admitted that they do not have any such proof or permission ( but still refused to remove the accounts furnished without my permission ). With that being said, I feel that Equifax is intentionally and willfully being neglectful in remedying my affairs. In light of recent investigations brought upon Equifax, they are truly undermining my confidence of the fairness and accuracy of their credit reporting methods, which is essential to the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My issues are being ignored, and I feel taken advantage of! I have previously contested this account, as I can tell that you are reporting false information. The opened, last reported, and last active dates are incorrect!!! Even so, you fail to verify this account!!

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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My issues are being ignored, and I feel taken advantage of! I have previously contested this account, as I can tell that you are reporting false information. The opened, last reported, and last active dates are incorrect!!! Even so, you fail to verify this account!!

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 2022-08-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately.

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 2022-08-05 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NM

Complaint narrative:
XXXX and XXXX failed fix error in account site unable to add documents saying I sold vehicle. Nissan finance company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: NM

Complaint narrative:
XXXX and Equifax failed fix error in account site unable to add documents saying I sold vehicle. XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: GA

Complaint narrative:
I didnt give them permission to share my personal information nor did I authorize them to have my information on display. They have had several security breaches as to where my information was taken and still havent compensated me for and I have yet to receive the {$8000.00} I requested from them. All the old information and incorrect information for me would need to be taken from there data systems immediately. They keep taking stuff off and putting it back on and has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: COMMERCE BANK
State: MO

Complaint narrative:
Was scammed by a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately.

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 2022-08-05 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXXXXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-08-05 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-08-05 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: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in 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 explanation
Consumer complaint received 2022-08-05 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: MO

Complaint narrative:
Equifax violated my rights Under 15 USC 1681 a number 3. Equifax assumed this role without permission not only that you did not have my consent.

Under 15 USC 1681 a number 4. I did not exercise your grave responsibility you were unfair, you were partial and you did not respect my right to privacy. 
already filed a CFPB report and an attorney general 's complaint. I can give you the CFPB report. ( File the CFPB report a few minutes before calling ).

You never had a permissible purpose Under 1681 b number 2. I never instructed you to furnish this report or to create this report. I never consented to this report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit card or prepaid 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: IL

Complaint narrative:
On XX/XX/22, I was involved in an imposter scheme in which I received an email at my workplace on my work email from someone who claimed to be the CEO of my company in XXXX. I had just started working for this new company so I was relatively unfamiliar with all the people, but the name matched up. 

This person asked me to purchase some giftcards to gift to employees, which I did. At XXXX I purchased XXXX giftcards of {$500.00} each for a total of {$2000.00}, pursuant to his instructions. He asked me to send him pictures of the giftcards and receipts so he could record the expense in XXXX and then I was to give the giftcards to the employees. 

Unfortunately, I realized about an hour later that this was not the CEO of my corporation. When I checked the giftcards, the balance was now {$0.00} on all of them. That day I filed a police report in XXXX XXXX, IL, where my workplace is located and also filed a report with the FTC to report the scam. 

I let my credit company company know that day what had happened and that these transactions were the result of a fraud scheme. They opened an investigation into the transactions, but never asked for any supporting documentation. On XX/XX/22 they denied the claim. 

I reached out again and said that I had a police report as well as transcripts of the communications which could substantiated my claim, so on XX/XX/22 they reopened the investigation and asked that I send them a copy of the police report. I did so, to an email they provided, but never received any confirmation. On XX/XX/22 they again denied the claim saying that there was " no evidence of fraud. '' On XX/XX/22 I sent letters to some executives at the company explaining the situation. On XX/XX/22 I received a phone call from a woman who said she was an assistant to an executive at Goldman Sachs, and she said that upon looking at my account they had never received a copy of the police report I sent. I said I would be happy to resubmit it along with any other supporting documentation that might need. She said that she would check and let me know what to resubmit. 

A few days later on XX/XX/22 she called me back and let me know that there was nothing they could do -- I would have to seek to get my money back from the Police Department by pressing charges. I let her know that the Police Department had told me that they would most likely never find this person as they are almost certainly overseas. She said she was sorry. I was never even given a chance to submit any of the support documentation that they had never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I placed order # XXXX for an XXXX mousseline tunic from XXXX on XX/XX/XXXX in the amount of {$900.00} and paid with my Chase debit card ending in XXXX. I also placed a 2nd order # XXXX for 3 items from XXXX on XX/XX/XXXX in the amount of {$1700.00} and paid with my Chase debit card ending in XXXX. 

I then decided to return the XXXX tunic from order # XXXX as well as one of the items from order # XXXX. I figured that it would be a good idea to save a return label for XXXX and placed both items in one box and shipped it back with the prepaid return shipping label that was included with order # XXXX. 

I received my credit for order # XXXX on XX/XX/XXXX. I was waiting for my credit for order # XXXX and when reaching out to XXXX customer service to question where my refund was, they said that they havent received the item back. My emails were never answered, and I have called numerous times the XXXX customer service line, however, they just told me that I never sent it back. 

I just tried to do a good deed and save a shipping label and therefore shouldnt lose a refund in the amount of {$900.00} due to the return warehouse workers negligence. As a side note, the XXXX tunic in size XXXX was completely sold out after I ordered it and it was on sale so not coming back in stock. A couple of weeks later I saw it available on XXXX. Perhaps it was mine which was just put back into stock

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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