vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 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: TX

Complaint narrative:
Please be advised that this is my third writing request and final warning. 

I also intend to pursue litigation in accordance with the FCRA to inforce my rights and to seek relief and recover all potential monetary damage that I may entitled to under section 616 and section 617 regarding your continued wrongful and negligent non compliance.

Despite my numous dispute letters the unverified items listed below still remain on my credit report in violation of federal law You states in your response to my numous letters that you have verified that the listed items are mine but you failed to send me documents that you use to verify these accounts ad per my request and my legal right.

The simple fact that you have ignored my request to send me documents that you use to verify dispute accounts is EVIDENCE you can not and did not verify accounts disputed.Your failure to delete the disputed account in question that you can not verify after numous letters is also evidence of your willful disregard of federal law Upon entering litigation, and through the discovery process you will be required to produce these documents along with a affidavit swearing under oath that these are true and correct documents that you use to verify the dispute accounts at the time of my request The fact that you don't have any of the said documents in your files is proof that you did not properly verify the within 30 days as required by and the court will order you to delete them.

You said that you have reinvestigate, and /or verified these accounts, but in your inability to provide physical proof you are and have admitted that all you have done is parroted information given to you by other also unknown as creditors, and attempt to put the burden back on me, and me to contact the creditors to verify accounts this type of behavior and action is clearly in violation of 1681 ( a ) ( 4 ) FCRA REMOVE ACCOUNTS XXXX XXXX XXXXXXXX {$1900.00} XXXX XXXX XXXXXXXX {$1800.00} XXXX XXXX XXXXXXXX {$8700.00} XXXX XXXX XXXXXXXX XXXX  {$1400.00} XXXX XXXX XXXX$2800.00} XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/XXXX,. XXXX I made a reservation for a 10 day stay at an apartment in XXXX de XXXX, XXXX ( from XXXX ) using a website called XXXXXXXX When I made the reservation, the amount shown on screen was different to the amount that I was ultimately charged. When I noticed that I was charged more than what it originally said on the website, I immediately canceled the reservation. Even though the reservation was canceled within 24 hours it was made, the website did not return my money and said that they were just a middle man and that I would have to contact the owner of the apartment in XXXX directly to try to obtain a refund. Given this issue, I filed a dispute with the credit card I used to make my reservation which was my Applecard Goldman Sachs. Despite providing a screenshot of the email from the merchant saying the reservation was canceled within 24 hours and a screenshot from the website itself showing the same thing, Goldman Sachs has denied my dispute 2x ( we are currently in the process of a third dispute on the same matter ). I received notice today that Goldman Sachs has submitted a remark of 'Consumer disputes after resolution ' on my credit report which can negatively impact my ability to receive new credit in the future with other providers and lenders. I have contacted Goldman Sachs today ( XX/XX/XXXX ) and spoke to one of their Dispute Managers who said that my situation is tricky and that they will continue to deny my dispute due to no evidence. He advised me to try to pursue the apartment owner in XXXX for my money back. I keep telling them that I don't understand how I'm supposed to have to honor a payment for a reservation that was canceled within 24 hours it was made and that I did not stay at the apartment 2 months ago for when the reservation was for. I don't know how I'm supposed to chase down some random person in XXXX for my money back either. I'm asking for help because I don't know how else to resolve this situation. How can I provide any further evidence if I did not stay there or receive the service? Am I really on the hook because I made the mistake of clicking on the wrong website who pulled a bait and switch on me and now the credit card company puts the onus completely on me to chase the owner of the apartment in XXXX to get the money back for a reservation that was supposed to be for two months ago?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: MO

Complaint narrative:
I received a {$25.00} XXXX XXXX as an energy incentive from my local electric provider, XXXX. I registered the Blackhawk issued card at time of receipt. I attempted to complete a split transaction for an online purchase for a local restaurant 2 days in advance of the pick up, using all {$25.00} from the XXXX XXXX. When I went to pick up the order, I was advised the payment rejected. I had thrown away the XXXX card and when I went to the registered site today to gain access the the card details, it will only provide the last four and will not allow access to the funds. The transaction history does not show the decline or any usable card details. I would like a refund in the form of a check for the {$25.00} earned incentive. I think Blackhawk is deceptive in their business practices and is not allowing me to have full access to my earned funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

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

Company 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 2024-12-12 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. I have an identity theft affidavit attached with all the fraudulent accounts and hard inquiries. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I discovered some instances of old accounts for which are unlawfully displayed on 1 credit file. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. The following account ( s ) with US DEPARTMENT OF EDUCATION, account number ( s ) XXXX, XXXX, XXXX should be DELETED from EXPERIAN. I request a thorough investigation into these discrepancies and urge you to provide evidence of why the information on any and all consumer profiles are not the same or accurate. If unable to furnish such proof, I demand that these accounts be promptly DELETED to reflect their true status.

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
I discovered some instances of old accounts for which are unlawfully displayed on 1 credit file. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. The following account ( s ) with US DEPARTMENT OF EDUCATION, account number ( s ) XXXX, XXXX, XXXX should be DELETED from XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence of why the information on any and all consumer profiles are not the same or accurate. If unable to furnish such proof, I demand that these accounts be promptly DELETED to reflect their true status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Verisk Analytics Inc
State: GA

Complaint narrative:
On or about XXXX requested a rate for auto insurance policy was told that at this time we're not able to provide the insurance you requested. The reason for for there decision was like many other inclcompanies, when we considered you eligibility for coverage we reviewed consumer report imformation. We believe its important that you know how we used this imformation and how it played a role in our decision. Please note that our decision also was based at least partially on imformation we obtained from following consumer reporting ageny ( ies } Verisk Analytics in making our decision, we also reviewed other information - including some that you p [ rovided to us such as home location and construction, car make and model and where its kept. I found this is strange because in the 10 yrs i was a XXXX coustomer for auto Insurance with no claims file with XXXX  or any other auto insurance company and with a credit of over XXXX there should be no problems. i was stated other quotes from other insurance companies with no problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: NY

Complaint narrative:
Subject : Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, I am writing to formally request the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Experian data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name.

The fraudulent accounts in question are as follows : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX : Amount : {$840.00} Account Name : XXXX  Account Number XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX  Account Number : XXXX date opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ; Account Name : XXXX XXXX XXXX Account Number XXXX XXXX date XXXX ; Account Name : XXXXXXXX XXXX  Account Number : XXXX date opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX date opened : XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX As per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party. 
I expect a written confirmation from your office once the fraudulent accounts have been blocked and removed within 4 BUSINESS DAYS Additionally see Identity Theft report # XXXX ; XXXX and Idenity Theft report # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I sent a letter to Midland Credit Letting them know that I have no knowledge of the account they say I owe them. I requested the 1. Original contract with the wet signature 2. Name 3. Address 4. Phone number 5. Proof of ownership of debt and their right to collect on it 6. Breakdown of the billing and payment history as of now, I haven't received any documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: KS

Complaint narrative:
Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN : XXXX ID Type : ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I am writing to request these inquiries are removed from my credit report. of the following information that appears on my TransUnion Consumer report. I have NEVER requested credit from the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Trans union report immediately! 
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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-12 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I paid off my XXXX XXXX XXXX XXXX on XXXX XXXX. The company sent it to a closed bank account. I called and requested that it be transferred to a different account XX/XX/year> and gave all info needed. It is now XX/XX/year> and I am still awaiting the funds or any information on whats taking so long. I keep getting the run around every time I call or email. They state there is no update and I just need to wait. I am owed XXXX and they are just holding it like its their own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-12 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: PA

Complaint narrative:
My account with XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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:
I sent multiple requests to verify unknown inquiries on my credit report during the months of XX/XX/year> and XX/XX/year>. The credit bureaus did not investigate my request properly nor verified that these inquiries were authorized by myself. These inquiries are unauthorized. Im asking the credit bureaus to verify my authorization based on section 609 of the fair credit report act. Verify each and every inquiry or delete from my credit report

Company response to consumer: Closed with explanation