vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 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 RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
There is a personal loan on my credit report from Affirm in the amount of {$10000.00} opened XX/XX/year>. 
I have no knowledge of this loan, I have never taken a personal loan in such a high amount. 

Ive recently started checking my credit report for errors a this is an error. 
I opened a dispute with XXXX to get this error corrected but XXXX ignored my evidence and my statement and within less than XXXX reported back that the account is accurate. 

I submitted bank statements as proof that my account never received any such deposit. 

I gave a detailed statement that I never opened that account. 

My fico score isnt high enough to get a {$10000.00} personal loan. 

It seems to me that the investigation ignored all the obvious evidence that this is not my loan account. 

I can also submit bank statements proving that the alleged loan repayments XX/XX/year> never took place. 

XXXX knows this to be true since I have had an account on their app since before XXXX. Along with my XXXX XXXX account linked to it. 
Any real investigation would have shown what Im saying is true.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The below inquiries were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I have XXXX student loan accounts that are all reporting as as XXXX from XX/XX/XXXX to XX/XX/XXXX according to my credit report. 

This is inaccurate reporting of my payment status, as I've deferred these payments. This should be reporting as " XXXX '', it is severely hurting my score. 

I have tried to rectify with the credit bureaus and my loan provider with no resolution. I want these accounts investigated and corrected with the correct payment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
On XX/XX/year> I purchased a XXXX XXXX from Apple I returned it the following day. Attached to this purchase was a gift card which Apple unbeknown to me had attached to the sale. The following month and subsequent months I am being charge {$12.00} to my Apple Card. I called and spoke with Apple they agreed that there is no reason why Goldman Sachs who manages the Apple Card should be bill me when I returned the entire purchase. Apple directed me to Goldman Sachs I have call them with an Apple representative on the line to fix this problem. Goldman Sachs keeps saying that the only way to fix the problem if for them to create a dispute. I said fine do it and fix the problem they refused in call after call to create a dispute for which I request an ID number for reference. They refuse to connect me to a senior manager as they claim is not their procedure or department. They have after one payment of {$12.00} to keep them off my back they continue to bill me and making threats that they will send me to collections. I suspect this is a fraudulent group who may have lifted the name of Goldman Sachs to continue to syphon money from me a senior citizen. I live on a fix income and I can not continue to pay Goldman Sachs ( if they are really Goldman Sachs ). Please I need your help in resolving this issue as I do not owe anyone any money. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-25 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: NY

Complaint narrative:
I have many issues with how TransUnion, XXXX, and XXXX are reporting collections and closed negative accounts on my consumer report with my verbal or written consent.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 6802section ( b ) Opt out In general a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. My consumer report is private information. I have not received any disclosures from any of the following accounts : XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXXXXXX {$850.00} XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$630.00} I need the mentioned accounts removed from my consumer report immediately, the mentioned accounts are ruining my consumer report and my credit score which is hindering me from getting any new credit lines and credit loans.

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 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SECURITY CREDIT SYSTEMS INC
State: OH

Complaint narrative:
I'm not familiar with this company. I don't recall conducting any business with said company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: NJ

Complaint narrative:
I did not consent to these inquiries and firmly believe they are fraudulent. I implore you to conduct a comprehensive investigation and promptly delete them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: PA

Complaint narrative:
Remove these inquiries, please. I lack any relevant knowledge on this issue, and the company proceeded without my consent.

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 2024-03-25 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: TX

Complaint narrative:
XX/XX/2024 there was a new hard inquiry on my credit report form XXXX, I am assuming that is XXXX XXXX  I did not apply or have anything to do with XXXX 's. I need this removed from my credit report as I did cause an XXXX point decrease.

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 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: IL

Complaint narrative:
I received an email from Chime on XX/XX/XXXX welcoming me to Chime. I contacted Chime on XX/XX/XXXX to communicate with them that I did not open the Chime debit / checking account with them. I informed them that this account was opened fraudulently and requested that they close it. I then uploaded documents that Chime requested for their records. The documents consisted of a Federal Trade Commission Identity Theft Report, a XXXX XXXX Police Identity Theft Report, along with a letter asking for Chime to release any and all information and transaction records relating to my account. Since then, I have been given the runaround and cant access the requested information. Ive called numerous times and have gotten nowhere. I requested they transfer me to a supervisor and they do not have XXXX. I would like any and all information about this account that was created fraudulently in my name released immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: GA

Complaint narrative:
XXXX XXXX is selling deceptive information to XXXX and Experian in which they are publishing it on my consumer report. This allege debt has not been validated as belonging to me and I have received no notice of my right to dispute this debt before it was placed on my consumer report. I would like the evidence that has been used to validate this debt as belonging to me.

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 2024-03-25 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: NC

Complaint narrative:
I called Experian Consumer Services at the number given. I found myself interacting with a computer driven AI program. The program was very limited and terminated the call when none of the limited options fit my situation. Online efforts to access my account failed. The user name and password written in my log book where rejected as invalid. A phone number is required to reset the password. My cell number, which I have had since XXXX was not recognized. My land line, which I have had since XXXX was not recognized as being in the system. Logging in with XXXX log in information resulted in an error message that something had gone wrong. Therefore I had no choice but to write a letter to a company who clearly does not wish to speak with me. The letter is attached. I am confident this is not an isolated experience and that countless others have had this experience. Both XXXX and XXXX have been friendly, professional and helpful. It is only Experian who has choosen to isolate themselves from those they serve. I would simply ignore them and shop elsewhere, but unfortunately I need electricity from my local provider, XXXX XXXX. XXXX XXXX has an exclusive business relationship with Experian. Thus one has no choice but to attempt working with Experian.

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 2024-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I contacted credit acceptance to retrieve the original signed contract with their terms of the agreement and was directed to a company I have no knowledge of. I contacted the company they provided and requested the same information and was told I would receive the signed contract and terms following the phone call and a physical copy by mail. I never received either and every attempt to contact them since have but without success.

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 2024-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
Yes XXXX XXXX XXXX, is attempting to get me to pay an account that was sold to them by Citi bank unlawfully and I did not consent, which is against my rights and privacy. And also makes the debt a certificate of indebtness. Yet this is still in my credit report and they are still harasss me by mail. The account is CHARGEDOFF Which is certificate of indebtedness- which is a payment so why is my account still negative. [ 15 USC 6803 ] [ 15 USC 1681b ] 15 FCRA

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 2024-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: MO

Complaint narrative:
I always paid my rent on time. 
I moved out before I was supposed to. 
They are charging me for rent that I do not owe. I was paid in full. I left the apartment in good condition and nothing was broken. My security deposit was taken. I didn't cause damages to exceed what damage deposit would cover. I know this for a fact. The landlord, XXXX XXXX refused to give me rent receipts, because I asked every time and she would make an excuse not to give me any. So, I can not prove with receipts that I paid my rent. I am an honest individual, and do not owe these people any money. I took her to court for bedbugs and XXXX XXXX is retaliating because taking her to court costed her money and she is being deceptive in trying to obtain money from me because she wants to be paid back and XXXX XXXX did this illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: DE

Complaint narrative:
On or about XX/XX/XXXX at XXXX I entered a XXXX  at XXXX XXXX XXXX.Apparently the XXXX XXXX people where re feeling the machine with money ..Upon the XXXX  XXXX  completing entering the funds into the machine, I was immediately given a directive stating I was able to use machine ..I entered my chimes card, keyed in {$320.00} to withdrawal no funds where dispused instead a message appeared on the screen stating this terminal is out of service. I would highly appreciate if my funds could be replaced, that was my bill money & chimes shows no one empathy on individuals taking these loses through these ATMs I will never use CHIMES for anything ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
On XX/XX/2023, someone hacked into my credit card and charged {$470.00} for XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX. A foreign transaction fee for {$14.00} was also charged. I have never been out of the United States, I did not authorize this charge. I have called Bank of America multiple times reporting this as fraud. They claim that their is proof of identity that it was me who authorized this charge. I in fact DID NOT. I have other foreign charges on other credit cards that have always been resolved, but I can not get Bank of America to understand it was not me. Now my credit score has decreased bc I refuse to pay for these charges that I reported as fraudulent. I am now considering to start paying for these charges so that my credit score increases over time. 

I have closed my account with Bank of America, therefore I am not able to log in online to make any payments. My balance keeps increasing because of late charges. This is so unfair because these charges were made by someone in XXXX. I have never been out of the USA.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I closed a XXXX credit card account in XXXX I went through XXXX XXXX to pay them off, they accepted the pay off amount received it on XX/XX/XXXX and then decided to come back for the balance on XX/XX/XXXX this has impacted my XXXX XXXX and seems illegal, I have a letter from XXXX XXXX  showing that Macys Citibank agreed to the pay off amount.

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 2024-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened a credit card with Synchrony bank. After paying my balance in full I requested that they close my account and delete all my private information. They replied to my message saying, " ... At this time, we are unable to remove your XXXX from the Synchrony Account Manager platform. We are continually updating account features, and will keep you informed if this option becomes available. We value your input and hope you continue to enjoy the available features. '' As if this was some sort of feature they had no built out yet?! After threatening them with reporting them to the CFPB they then backtracked and said they were going to escalate this with their 'corporate office '.

So they need to escalate this to their corporate office to
comply with a legal requirement per California law, as mentioned in the CFPB : " ... state law generally requires banks or credit unions to close your account in a reasonable amount of time ... '' So they are intentionally making it hard for users to close under the premise that it is a feature that has not yet been implemented. If they build out an online application they have to make sure they look at all the legal surrounding it so you are not missing features that are legally required.

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 2024-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Today XX/XX/24 company allowed my information to be accessed by an unauthorized person

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