vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing this complaint to dispute multiple inaccuracies on my credit report, which have unjustly impacted my credit score. Despite maintaining a consistent record of on-time payments, certain accounts are inaccurately reflecting late payments. I have never missed a payment on these accounts, yet they are incorrectly listed as being 30 days late. Additionally, there are discrepancies between the information reported by different credit bureaus that further highlight the inaccuracies. The accounts in question are as follows : 1. Apple Card/GS Bank USA ( Account # : XXXX ) ** - This account is showing different balances on XXXX ( {$720.00} ) compared to XXXX and XXXX ( {$230.00} ). Furthermore, the account number reported by XXXX differs from those reported by the other credit bureaus. Lastly, the " Date Last Active '' also varies across the bureaus, indicating a lack of consistency in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), consumer reporting agencies are mandated to follow " reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' The fact that these inconsistencies exist, particularly in the account numbers, balances, and dates, is a clear violation of this requirement. 

These inaccuracies are causing significant harm to my credit score and financial standing, directly affecting my ability to secure credit on favorable terms and impacting my overall financial well-being. The errors in my credit report are unacceptable and must be corrected immediately to prevent further damage. 

I have attached screenshots showing the inaccurate reporting from the credit bureaus to support my complaint. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that these incorrect entries are promptly removed from my credit report. The credit reporting agencies must be held accountable for ensuring the accuracy of the information they provide. I also request a thorough investigation into these discrepancies. If the credit reporting agencies are unable to furnish valid evidence, such as account statements demonstrating the lateness of these payments or other claimed inaccuracies, I demand that these entries be updated immediately to reflect their true status, as I have consistently upheld my payment obligations without delay. 

I appreciate your prompt attention to this matter and expect that the inaccuracies will be corrected swiftly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I woke up to my small business and my personal account being empty. XXXX XXXX XXXX XXXXXXXX garnished the money in my accounts and on XX/XX/XXXX they also garnished my pay check. One account they took {$530.00} then my pay check {$1200.00} and business account {$1000.00}. I called the company and to see what is going on and they said I owed a Target Credit Card in the amount of amount {$6000.00} from XXXX and that i was sent to court in XXXX. I asked them how could this be and they said there is nothing I can do. I had a debut collector contact me about 2 months ago but did not want to understand that I had no knowledge of this and I had my identity stolen back in around that time period. He was frustrated and so was I so I hung up. He process to call me again a few time and finally left a message that he was moving forward with suing me and wished me luck. I has a couple of calls XXXX with whom I'm now assuming was debut collector because they did not want to give me any information when I asked what this is about. The person said well I got this case on my desk but if you don't want to provide your personal information that is your decision. I told them that they should have my information since they are the ones calling me so with so much scams going on I declined to give him any information. He did not want to provide the company name or reason for the call and we hung up. I have police reports and report to social security office as well as an other police report in XXXX XXXX Florida where the person that stole my identity was working at the time while using my papers and social security number. I had not heard about this Target Card prior to this. I try to work something out with this law firm but they refuse to work with me as far as payments go so that they can take the garnishment off.At this point I would like to know what my options are since this case is on going. Please let me know what how to proceed. Thank you for you time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
The collection agency had engaged in false and misleading practices violating FDCPA 807 and providing misleading forms violating FDCPA 812.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
They locked my card because they wanted to check the veracity of a charge from over a week ago.

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

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Nelson Cruz & Associates LLC
State: TX

Complaint narrative:
I got a call from a random Texas number that was nothing but static and then I called back and this lady with Nelson Cruz and associates asked if it was me whom they were looking for and I said yes, and then she asked if I was able to pay And I said no, and then she said a piece officer would be showing At my house tomorrow and that she was filing something with a judge in my town that doesnt even seem to exist.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report is incorrect. I have included my documents so you can update it. Please correct and update my personal information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JNR Adjustment Company, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I made an reservation online from XXXX for a XXXXXXXX XXXX XXXX rental car, to be pick up on XXXX XXXX, XXXX  and return on XXXX XXXX, XXXX  which I already paid {$490.00} online. 

On XXXX XXXX, XXXX, XXXX doesn't have any XXXXXXXX XXXX XXXX  available which I was already disappointed, so the employee gave me XXXX XXXX XXXX instead. At the time I asked the employee 3 times if I would need to pay extra, and he said no. 

On XXXX XXXX, XXXX, I returned the XXXX XXXX XXXX, during the return process I asked the employee again if I would need to pay additional fee, and the employee said no again. But about 1 hour later, I received an email that XXXX charged my credit card {$660.00} without telling me anything. 

Within the week, I contacted XXXX 2 times and the representative said they would refund me {$660.00}. After a month of waiting, I didn't see any refund so I decided to make a dispute with my credit card company which I got the credit back. 

Fast forward to recently, I received a letter from JNR debt collector. For the same {$660.00} from XXXX ( attached ), I emailed JNR to get more information ( attached ) and called and left voicemail but still haven't got a response back. 

I am really frustrated how these companies can charge consumers any time they want and now trying to put me in collection and hurt my credit. Could you please help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I Noticed that there is a lot of States on there requesting information about my Credit I have Only Lived In Kansas, Missouri and Okla that's it. Also My Name is XXXX XXXX XXXX XXXX. 
I might be subject to someone stole my identy cause I don't have any Loans Out For Car 's. The Two Car 's I have are paid for. I do know that My Information is on the Dark Web and I don't know how to get it off of there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/year> @ XXXXXXXX XXXX. took car in for oil change and two new tires. Decided to get extra work done they said they could do. 
I got a bad poor service because of being a woman and XXXX XXXX. Busted front fender. Two dirty used looking tires instead of new. Torn rims and missing emblems off of three tires. Car almost came off of rack so the hood strut was busted. The rack and pinion was busted also.

The car has not worked and been parked for Three months now. It is costing me {$5000.00}. 
In the mean time I am catching the XXXX. ( $ $ $ $ $ ).. 
Have also spoken with corporate and the bank of credit card. I will not be paying a XXXX for this kind of service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I do not owe any money. I have been receiving calls from Phoenix Financial Services. I constantly tell them to send me in writing anything regarding this debt. They do not send any written documents but continue to call me, from numerous different numbers, at all times of day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Renton Collections Inc.
State: WA

Complaint narrative:
I was in a XXXX  and had a XXXX and was completely XXXX. This XXXX  accepted my insurance. As soon as I became XXXX  and XXXX, the XXXX  XXXX, staff contacted a third-party XXXX  to bring me to the XXXX XXXX I had no say in this whatsoever as I was XXXX  and or XXXX. 
The amounts charged do not except my insurance and are out of net work : {$1000.00} {$970.00} Soon after I received calls 2 to 3 times a week as well as emails and text messages saying I owed the above amount plus a ton of interest. I tried to explain to them that I did not give consent, and was in no condition to give consent to a third-party out of net work company to bring me anywhere. I tried to explain this to the lady at renton collections , Inc. In XXXX, Washington. She just got very angry and I just said that I wanted the information so that I can file a CFPB complaint, and she immediately said that I was threatening her and hung up on me without giving me all the information I asked for. 
They are contracted by XXXX XXXX  XXXX  in XXXX, Washington. I spoke with them, and they said contact the collections agency even after I explain that this is surprise billing, I have excellent insurance. I was in a medical facility that accepted my insurance, and it was quite a surprise to find out that they used a out of net work company without my knowledge. 

I also contacted my insurance company, XXXX XXXX XXXX XXXX, and they said theres nothing they can do either.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX a account was opened with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX A request for All original loan documentation and proof of identification and signatures are requested due to identity theft that was committed against me in XXXX and as XX/XX/XXXX police report filed XXXX XXXX police report available of discovering on all credit bureaus please remove and discontinue reporting XXXX fair reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CO

Complaint narrative:
1. XXXX XXXX account that was created by my ex husband. He used my social security number to open the account used his email & new phone number ( the number they gave him ) so I was never notified. He stopped making payments it went to collections & I seen it on XXXX along with another account 2. XXXXXXXX  account was created by my ex husband after he couldnt use the XXXX account anymore he got a new phone with another phone service using my social security number again because it worked so well the last time. 
I tried contacting both. One wouldnt give me any information the other one gave me his email details which is quite literally his name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: EQUIFAX, INC.
State: CT

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"

Company response to consumer: Closed with non-monetary relief