vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This is the most frustrating company I have ever dealt with... 
Apple Card is run by Goldman Sachs Bank USA. 
No matter how many times I call or write, they continue to bill me. They can not tell me what goods or services the charges are for, or who is the company charging me. 

I filed a complaint with you several months ago. You wrote to them. They told you, Oh we already credited XXXX XXXX. Yet I can find no credit! And now they are trying to do this again. There way things stand, they owe me {$190.00} and {$95.00}. 

Why did you believe them? Did they show you proof in writing that they issued a credit to me? Did they tell you who the merchant is? When I called today, they said we do not show you in our system, either by email address or telephone. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I consider their actions to be harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquires on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> 2024

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 2024-08-28 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: MA

Complaint narrative:
This account XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX should be delete and removed from my credit report. I do not recognize this account, and I think that it was created fraudulently. I've filed disputes with the company and the credit bureaus already.

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 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
I received XXXX credit card that I never applied nor Ive ever heard of this company. Then I got alert from XXXX that there is new account in my name that negatively impacts my credit score. I tried to call the number on the back of the card but they are asking for my social security number and because Im not willing to give them my Social Security number they are refusing to do anything about my account. This is some kind of scam and needs to be investigated and addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: NC

Complaint narrative:
I was extremely saddened witnessing how my credit report has worsened over the month. All I ask of your company is to review my case and remove these inaccurate and erroneous accounts reflecting on my report and I am only met with the most generic response about my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-08-28 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: CA

Complaint narrative:
XXXX XXXX Account Number - XXXX I hereby dispute the validity of the alleged debt listed above listed above Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, XXXX, TRANSUNION and XXXX. You must Cease XXXX efforts until this alleged debt is validated, You must show proof that you legally own this alleged debt and that it is accurate and complete thank you, 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
Consumer complaint received 2024-08-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX Account Number - XXXX I hereby dispute the validity of the alleged debt listed above listed above Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, EQUIFAX, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated, You must show proof that you legally own this alleged debt and that it is accurate and complete thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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:
Please permanently remove following fraudulent information from my credit report as it is affecting me and my family.

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 2024-08-28 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX I hereby dispute the validity of the alleged debt listed above Entirely, I also request verification of the alleged debt, Spectifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, XXXX, TRANSUNION AND XXXX. You must Cease Collection efforts until this alleged debt is validated you must show proof that you legally own this alleged debt and that it is accurate and complete thank you, 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
Consumer complaint received 2024-08-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX I hereby dispute the validity of the alleged debt listed above Entirely, I also request verification of the alleged debt, Spectifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, EQUIFAX, XXXX AND XXXX. You must Cease Collection efforts until this alleged debt is validated you must show proof that you legally own this alleged debt and that it is accurate and complete thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to urgently request the removal of an incorrect late payment entry from my credit file for XXXX last year. This entry had been previously removed but has reappeared, despite the account being fully paid off at that time. I consistently make my payments on time and use this card specifically to build my credit. 

This error is critically affecting my credit score and my current effort to purchase a house. Please remove this late payment entry immediately to correct my credit report.

Thank you for your immediate 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 2024-08-28 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquires on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NJ

Complaint narrative:
Cardinal Financial was tasked with verifying both the furnishing of the mortgage loan account as well as the accuracy of the account.

Cardinal Financial provided response to CFPB and myself as to their ability as the furnisher to report the loan to the Credit Reporting Agencies. However, they failed to acknowledge that the information reported is not up to the maximum standard accuracy that is required by FCRA law to be a valid item on my credit report.

As per the FCRA : 15 U.S.C. 1681s-2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies This section of the FCRA outlines the duties of furnishers of information to ensure that the information they report to CRAs is accurate and complete.

Key Provisions : 15 U.S.C. 1681s-2 ( a ) : Duty to Provide Accurate Information This subsection requires furnishers to report information to CRAs with accuracy and completeness. 

( a ) ( 1 ) Duty of Furnishers of Information to Provide Accurate Information : A furnisher shall not furnish any information relating to a consumer to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.

I have informed Cardinal Financial of inaccuracies that they have provided the Credit Reporting Agencies which are now reflecting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
I submitted to cancel my PMI on XX/XX/2024. I was instructed by a Roundpoint employee to go to the Roundpont website and download the the form for cancelling PMI. So I downloaded the form and filled it out and sent it to the email told to me by the roundpoint employee. 

I am now calling and they are telling me that it was not processed because the form was outdated. This was the form downloaded directly from their website. 

They stated they have a new form, the new form clearly stated it was revised XX/XX/2024. 

They are practicing unethical behavior to keep the PMI insurance charge on my account Supervisor XXXX stated it was declined based on the date signed. No where in the document does it state it needs to be signed within a certain time frame. Declining the form was unethical it was done in an effort to keep charging PMI. To be clear there is no writing that required me to sign the form the day I submitted it. 

I signed the document prior to sending it XX/XX/2024. But I clearly requested that my PMI be cancelled XX/XX/2024 2024

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 2024-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I opened my account on XX/XX/XXXX, when there was a promotion for {$250.00} for account type 1 and {$400.00} for account type 2. The terms stated that the bonus is based on the account type 120 days after opening. Instead BMO looked at my account type on day 90 when it was type 1 instead of at 120 days when it was type 2, and only gave me a {$250.00} bonus. At some point after I opened my account the terms changed to 90 days, but were 120 days when I opened the account. I tried to explain this to BMO, but they claimed that the terms always stated 90 days and never 120 days, and did not fix the bonus. A promised call back from a supervisor never materialized. The terms for the offer are here : https XX/XX/ Indeed it currently says 90 days, but it has changed back and forth between 90 and 120 days in the past, according to web.archive.org. They do not have a snapshot from XX/XX/XXXX or any time shortly before that, but if you go back further, between XX/XX/XXXX and XX/XX/XXXX you can see the terms changed from 90 to 120, and stayed that way until XX/XX/XXXX when they changed back to 90. So the bank 's claim that the terms never stated 120 days is not true. I know what I saw on XX/XX/XXXX but didn't take a snapshot myself because I didn't think it would be necessary.

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 2024-08-28 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: TX

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 nephew, 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 2 out of 3 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.

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 2024-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2024-08-28 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am unable to access my Equifax account information via the website. https : //my.equifax.com/membercenter/ # /login I am routed to a webpage instructing me to call Equifax to process requests. I am unable to get a person on the phone. I sat on the phone for more than 40 minutes, twice. 

I am unable to manage my credit security effectively which means I am unable to apply for any loans, etc as many businesses use credit reports for decision making. 

I am not the only person with this problem. I went to the Equifax XXXX page where I found many more people experiencing the same problem. 

Equifax is holding my information hostage and is giving me no reasonable course of action to access it and/or control it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: TX

Complaint narrative:
These inquiries are unauthorized and I am victim of identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: AL

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 nephew, 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 2 out of 3 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. these are the accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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:
I disputed my personal information with Equifax on XXXX. I also followed up with more requests to correct my personal information. The following credit files are not mine and need to be removed immediately. I've been offered no corrections to this fictitious information that they have on my report. I don't believe that they are following the law. I want the false information removed as soon as possible. This information is spoiling my credit worthyness. 

XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX ACCOUNT # XXXX XXXX XXXX XXXX  XXXX XXXX ACCOUNT # XXXX XXXX  XXXX XXXX  XXXX XXXX ACCOUNT # XXXX

Company response to consumer: Closed with non-monetary relief