vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
On XX/XX/XXXX I checked my account and discovered 3 transactions that were not authorized by me to an account I know nothing about. I immediately called Marcus By Goldman Sachs to report the theft. I reached out to the Goldman Sachs bank after the business hour, but the 24-hour, 7days week customer service line did not file my claim immediately. 
I had calling back to Goldman Sachs bank the next day, XX/XX/XXXX morning. The investigation started. On the same day, the old accounts ending in XXXX and XXXX were frozen for any further transactions. New accounts were opened. On the same day, the password of the online banking was updated by me. 
XX/XX/XXXX, I called Goldman Sachs bank to follow up on my investigation status. This morning, two account specialists told me, my investigation was denied. This is the final result, and no further investigation will be done, they told me. The same day, I called Goldman Sachs Bank requesting a supervisor. The dispute team supervisor, XXXX, confirmed that the previous two account specialists provided me an incorrect information. My dispute is still in the investigation status. Not completed it yet. 
XX/XX/XXXX, the email address as a username of the online banking was updated by me as well. I requested Goldman Sachs bank 's dispute department to keep locking my online banking for security. 

The account to which the money was transferred is listed as " Internet transfer to XXXX XXXX XXXX XXXXccount XXXX ''. 
This is not my husband 's name or under my name bank account. XXXXXXXX XXXX confirmed. 

The claim number at Marcus is XXXX XX/XX/XXXX, dispute department supervisor XXXX confirmed my signed form for the dispute agreement was received. XXXX confirmed that my dispute is still under review. 
On XX/XX/XXXX, Goldman Sachs bank called and notified me that the investigation would take longer than 10 business days and it takes up to 45 days instead. On XX/XX/XXXX provisional credit of {$8300.00} was provided to XXXX of the new accounts. I have received a letter of provisional credit notification the following day. I requested Goldman Sachs bank 's customer service to unlock the online banking for me to make an external transfer to my other bank account and empty the account. However, they politely stopped me from making any external transfer at this moment on XX/XX/XXXX and XXXX, both days. The customer service told me, I needed to wait for the investigation completion notification letter to do anything with the fund. My occupation is a banker. My understanding is that I should be able to access my banking transaction with the provisional credit while the claim is under investigation. But the customer service did not help me. 
As of today, XX/XX/XXXX, I am still waiting for the investigation result with the permanent credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: NY

Complaint narrative:
XXXX XXXX  is showing opened XX/XX/2020 and closed XX/XX/2020 so " open '' for almost XXXX  months from what they claim. 

Never had this account, never opened this account its not mine what so ever Sadly the " dispute '' process in this country is a complete joke, the " validate '' it for the " creditor '' no matter what because thats who the credit bureaus work for. 

This was disputed 3 times with all XXXX credit bureaus and nothing became of it, its all " valid '' ive never been shown anything to make it " valid '' what do ever because its NOT and thats why it can NEVER be shown!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 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: NY

Complaint narrative:
XXXX XXXX  is showing opened XX/XX/2020 and closed XX/XX/2020 so " open '' for almost XXXX XXXX  from what they claim. 

Never had this account, never opened this account its not mine what so ever Sadly the " dispute '' process in this country is a complete joke, the " validate '' it for the " creditor '' no matter what because thats who the credit bureaus work for. 

This was disputed 3 times with all XXXX credit bureaus and nothing became of it, its all " valid '' ive never been shown anything to make it " valid '' what do ever because its NOT and thats why it can NEVER be shown!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
i did not authorize or give permission to run my credit to any companies nor anyone at all i would like for you to remove any and all hard inqury off my credit report that iam makeing this complaint on

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
i did not authorize or give permission to run my credit to any companies nor anyone at all i would like for you to remove any and all hard inqury off my credit report that iam makeing this complaint on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: KY

Complaint narrative:
In accordance with 15 U.S. Code 1681b ( a ) ( 2 ) XXXX, XXXX, and Experian are not to share and must remove XXXX Account no XXXX XXXX, soft and hard inquiries, student loan information, and previous address information pursuance to 5 U.S. Code 552 agency shall make available to the public information as follows : '' ... ( b ) This section does not apply to matters that are ( 4 ) commercial or information obtained from a person and privileged or confidential ". It is a crime to violate 5 U.S. 552 ( b ) ( 4 ). It is required that the aforementioned credit bureaus remove the aforementioned information 5 U.S. 552 require, as follows : " Any reasonably segregable portion of a record shall be provided to any person requesting such record after deletion of the portions which are exempt under this subsection. The amount of information deleted, and the exemption under which the deletion is made, shall be indicated on the released portion of the record, unless including that indication would harm an interest protected by the exemption in this subsection under which the deletion is made. If technically feasible, the amount of the information deleted, and the exemption under which the deletion is made, shall be indicated at the place in the record where such deletion is made. ". Consumer respectfully ask that the aforementioned credit bureaus do not share the aforementioned information because it's a 5 U.S. 552 violation. 

Respectively submitted, XXXX XXXX XX/XX/23

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: GA

Complaint narrative:
These two accounts are not mine and I want these accounts deleted and removed immediately from my credit reports, both of these accounts were open because my information was stolen and used to open both of these accounts, I have spoken to an attorney and I have provided that XXXX XXXX  and XXXX XXXX XXXX XXXX has failed to provide any information or documentation to prove these accounts are mine in which they are not, I will file XXXX XXXX both XXXX  and XXXX XXXX XXXX XXXX for damages and what it has done to my job prospects, all they have to do is remove these accounts including experian, because experian has been giving dozens of documents from me and this attorney all this is doing is building my case, simply remove these accounts or be sued in court, they have stolen my information and has committed identity fraud, now remove XXXX XXXX XXXX XXXX XXXX XXXX  Im tired of excuses and stop violating my rights under the fair credit reporting act This police report is sufficient to show that my information was leaked and stolen and put on the dark web, if this police report is ignored by both companies including experian they can be sued by me for damages And remove all these fraudulent inquiries on my credit report these are not mine and do not put a fraud alert on 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 2023-11-23 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
i did not authorize your companie to run my credit report nor gave anyone permission to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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:
I recently reviewed a copy of my credit report, I was shocked to learn that I am a victim of identity theft. I found an account on my credit report that was not opened by me. This has been hurting me as I'm in a process of buying a car so I can get to and from work. Please remove this fraudulent account from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax appears to have challenges in maintaining current and accurate account information. It seems that they might deliberately delay reporting the accuracy of accounts, which could result in a significantly lower XXXX XXXX credit score compared to other credit bureaus. On multiple occasions, I have encountered issues with Equifax not keeping my account information up-to-date. For instance, my XXXX XXXXXXXX XXXX  Credit Card account balance and the status of my credit card payments were reported to all three credit bureaus by XXXX. However, Equifax failed to promptly update this information, causing a delay of at least XXXX month. It is crucial for Equifax to enhance its diligence in updating account information in a timely manner, as other credit bureaus consistently do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
my identity and data have been exposed with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: MS

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on 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 2023-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BDF Partners, PC
State: CA

Complaint narrative:
Forced, into Bankruptcy XXXX XXXX due to the multiple loan modification denials from loan servicer, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( trustee for XXXX ). Their assignee 's ; Barrett Daffin Frappier Treder & Weiss, LLP ( aka BDFlawgroup ) continue to market, postpone the Trustee Sale of our home, during the proceedings of XXXX Bankruptcy / case no. XXXX filed XX/XX/2023. XXXX XXXX has posted over {$17000.00} of mortgage payments while in XXXX. Soon they will be paid in full. 

BDFlawgroup, marketing our subject home for an Trustee Sale ; XXXX XXXX XXXX, XXXX XXXX CA, XXXX, Numerous, harassments, letters to sell our home continuously while in XXXX. 

We believe, BDFlawgroup and their assignee 's are in VIOLATION OF FEDERAL LAWS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX, I am a XXXX program participant ( XXXX XXXX with XXXX XXXX XXXX ) and previously resided at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ) until XX/XX/XXXX. I currently reside in XXXX, XXXX I only just learned today that a collection agency ( Fair Collections & O ) submitted derogatory information about an alleged debt owed ( {$1300.00} ) in XXXX of this year. At no time did this collection company or its employer ( XXXX XXXX XXXX ) make a reasonable good faith effort to contact me directly, either by by email mail or telephone to inform me that my resident ledger had a balance owed. 
At the time of my departure I did not owe any monies to XXXX and it remained in possession my rental deposit. During the month of XX/XX/XXXX I provided XXXX XXXX XXXX XXXX XXXX with my updated contact information when exchanging emails that focused on scheduling and finalizing a day/time for a moving company to transport my few remaining belongings to XXXX ( I was not present in XXXX when this move occurred. ) Interestingly, the last email that I sent XXXX requesting information about returning my keys to their property went unanswered. Fair Collection & O AND their employer XXXX  were at all times in possession of my recently updated contact information and neither company made a reasonable attempt to satisfy their due diligence prior to submitting false derogatory information about their claims of money owed. Subsequently, as a direct result of this companys actions, which are in direct violation of The Fair Debt Collection Practices Act, my credit score at two major credit bureaus had decreased XXXX and XXXX points. Where are my consumer protections please?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XX/XX/XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Trans union locked my credit report more thank once with out my consent it was embarrassing and a prestigious car dealership more than once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
We were doing business with XXXX XXXX XXXX XXXX in XXXX Arizona. We contacted them and notified them we wished to cancel in XXXX of 2023 and they charged us for the remaining amount we owed them. 

Then in XXXX of 2023 they charged us for {$190.00}. This was an unauthorized charge. I notified the bank USAA that there was an unauthorized pending charge on my account. USAA told me they would issue a stop payment request. A few days later I noticed the charge no longer showed as pending and had gone through, so I contacted USAA again and opened a dispute case. 

I called XXXX XXXX XXXX XXXX and the person who answered indicated they were a new billing person and didn't know what was going on, but they insisted the charge was accurate even though I had told them we had canceled in XXXX and had already paid for what they were charging us for. 

I sent documentation to the bank USAA, copies of emails from XXXX between XXXX XXXX XXXXXXXX XXXX  and my wife. USAA closed the dispute case stating that the fault was my own. I have contacted them numerous times to try to get the {$190.00} back, repeatedly asking them to review the documentation I sent them that clearly shows it is an unauthorized charge.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from, my credit reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and file Your complaint with the CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 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: TX

Complaint narrative:
Please help me. Ia attached my driver 's license, proof of address. I need your help to remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 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: TX

Complaint narrative:
Please help me. Ia attached my driver 's license, proof of address. I need your help to remove this as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: TX

Complaint narrative:
I am filing this complaint to TRANSUNION for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX AND XXXX for your reference and as proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief