vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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: IL

Complaint narrative:
Per our last discussion, my account was charged off due to non-payment with a balance of {$540.00}. This means that you have filed either both or one 1099-a & 1099-c as property abandonment to be compensated for your loss. This means that this account is now a certificate of indebtedness and considered income and CAN NOT LEGALLY be reported as debt or collected on. I have not received a copy of any 1099 's that were filed on my behalf as per the IRS regulations Publication XXXX ( XXXX ) including under Statements to Debtors. I would like a certified copy of the 1099 's filed on this account.

Per 15 U.S. Code 6802-6805, I have a right to opt out of any information being reported to credit agencies and you are supposed to send a notice providing me with the opportunity to opt-out, yet I have not now or ever received one. Also, in my previous complaint, I opted-out of having my information shared to the credit bureaus per the Privacy Act of 1974 '' and the account has not been removed from the reports.

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 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian canceled my account when I stopped paying for credit monitoring services, and now I can't even unfreeze my credit report because it is tied to that system. I had an account for years before this ; now, it has been deleted, and I can't reactivate it. The phone system is confusing, and there is no option to reach a representative because they are understaffed and deliberately make it hard to reach a real person. I have already spent hours trying to fix this, but there is still no answer. Now, I have to mail identity documents to their address in XXXX, TX, and wait XXXX days for them to lift the security freeze on my account because that department does not have email and does not take calls. I made a complaint with the CFPB before regarding Experian, and it took them 3 months to respond, and they did not resolve this issue. They gave me the number of a consumer affairs person who was unable to resolve this issue, and they transferred me to customer service, who was equally unable to resolve this issue. I am trying to finance a house, and I have already lost financing once on a home because my credit is frozen. I could not un-freeze it quickly enough to get my financing approved ; XXXX months later, after waiting for Experian to respond, the issue is still not fixed, and I have to jump through hoops again. This company is a joke, and the fact that the CFPB has not fined them yet is also a joke.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : COLLECTION/CHARGE OFF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-11-26 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: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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 2024-11-26 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: MD

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. 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 proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Account incorrectly marked as late, but payments were always on time. Records confirm no late payments. Please verify and correct this error immediately. Requesting review by a live agent to resolve.

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 2024-11-26 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I placed and paid {$3500.00} on bottega veneta online store on XX/XX/year> and they shipped order with XXXX. First delivery I was not at home but my family member are home but XXXX said my package requested direct signature, only me can sign the package so XXXX take the package and left door tag on the mailbox. Then the next day I saw XXXX truck didnt stop at my address but tracking information said customer was not available for delivery. Then the next day I was not at home because I need work. And XXXX give my package to someone and signed it. Until now I still not get my package and I didnt know who did sign the package. But XXXX said only me can sign the package right? They why let someone sign it in the end? and XXXX delivered picture is a doortag on the mailbox, it doesnt make sense. I file police report too and send to PayPal. But they not really give a help. Hope can get help from CFPB. Thank you so much

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 monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Apple Card issued by Goldman Sachs, False Advertising of their Promotion. Websites : learn.applecard.apple/refer and apple.co/referdailycash.

The referral terms says " And right now, when you apply using the link below and open a new Apple Card, well give you {$75.00} XXXX XXXX when you make your first purchase within 30 days of opening the account. '' I learned Apple Card has a referral program from friends and news, so I used the referral link found on XXXX and XXXX to apply for an Apple Card last week. However I did not receive the {$75.00} dollar credit after my first purchase. Apple and Goldman Sachs insisted that the referral link has to be sent from my friend, otherwise I won't qualify. The terms and conditions did not say a physical friend must refer you via email. Can XXXX artificial intelligence be your friend, can users who posted on XXXX be your friend? Since the link is public and can be found by everyone online, Apple should credit the {$75.00} bonus to any person who used the above links to apply after qualifying transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Complaint to CFPB Regarding Experian 's Failure to Provide a Credit Score To Whom It May Concern : I am filing this complaint against Experian due to its failure to provide me with a credit score, despite my repeated efforts to resolve this issue. This ongoing problem is causing significant harm, as I am in the process of purchasing a home and Experian 's lack of action is creating unnecessary complications.

I contacted Experian by phone, and the representative instructed me to submit proof of my identity via their upload page. I complied with this request immediately, uploading all required documentation. Prior to this, I spent several months mailing the same information to Experian to ensure my records were updated and accurate. Despite these efforts, Experian has failed to provide me with a credit score.

This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( 15 U.S.C. 1681g ), which grants consumers the right to access their credit information and ensure its accuracy. Further, under Section 611 ( 15 U.S.C. 1681i ), Experian is obligated to investigate and correct inaccuracies or incomplete information in a timely manner. Their failure to respond to my repeated submissions of identity verification materials constitutes a breach of these legal requirements.

Additionally, under the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 ), I am entitled to fair treatment in accessing credit. XXXX failure to provide my credit score is impeding my ability to obtain a home loan, effectively denying me access to credit without justification or due process.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and hold Experian accountable for their noncompliance with federal laws. Specifically, I request : Immediate action by Experian to update my records and provide my credit score.

A review of Experians handling of this case to prevent further violations of the FCRA and ECOA. 
XXXX that Experian will comply with its legal obligations to provide accurate and accessible credit information in the future. 
This is a time-sensitive matter that directly affects my financial stability and ability to purchase a home. I urge you to address this issue promptly. 

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 explanation
Consumer complaint received 2024-11-26 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: Experian Information Solutions Inc.
State: NY

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 XXXX  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 XXXX out of XXXX 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 explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have sent Transunion the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the inaccurate bankruptcy report 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 2024-11-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I reached out to the company on XXXX in regards to an email that was received stating a special reduced amount of {$3000.00} to take care of debt. I was told that amount was no longer active, yet I received the email on XXXX. I advised agent I would like the account balance updated to reflect the amount in which the vehicle was sold for. The agent proceeded to say, we can take of the balance for {$3500.00} over a 6 month period. I stated that is not the amount displayed in the email, so he proceeded to say we can take care of the balance for {$7600.00}. I stated again I would like the balance updated to reflect the actual amount that is owed. He stated they would not do that until I made a payment. I stated, you gave me two amounts different from the amount in the email and I asked to speak with a Supervisor. He stated no and he was the account manager of the account. I said how are you the account manager of the account when I've called previously and spoke to a different agent. I asked again for the account balance to be updated and he stated no, they do not do that unless I agree to pay and I stated that doesn't make sense and disconnected call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im reaching out to dispute an incorrect late payment reported on my account with XXXXXXXX XXXX for XX/XX/year>. Ive always been on time with my payments for this account, and I have never missed or been late with a payment. The report of a late payment is simply not accurate. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the information they report is accurate ( 15 USC 1681e ( b ) ). Reporting this late payment is a clear mistake and a violation of this standard. Additionally, the FCRA ( 15 USC 1681i ) requires credit bureaus to investigate disputes like mine and correct or remove inaccurate information promptly. I request that this account be updated to reflect the correct status as " PAID '' or " PAID AS AGREED '', which is consistent with my payment history. I also ask that you provide an explanation of how the late payment was verified and why it was reported as 30 days past due. If it can not be verified, please remove it from my report immediately. 

This mistake impacts my credit unfairly and does not reflect my actual payment history. I trust you will address this issue promptly and ensure my report is updated to represent my account accurately.

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 2024-11-26 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: FL

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely 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