vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
In XXXX, I was checking my credit report for accuracy. My current address was listed twice- one with the apt ans one without. XXXX stated that they could not remove the address because it was reported by one credit card, Goldman Sachs. I was advised to reach out to them to correct the address. I did and was assurred that the issue would be resolved. However, when I checked my credit report in 30 days ( which is the time frame I was given for the correction to be made ), the address without the apartment number was still present on my credit report. I called XXXX again but they told me they could not help me. I would need continue contacting Goldman Sachs to get the address removed and updated. The last week of XXXX, I called and the call was expedited to a manager because there were notes stating the issue was resolved but it wasn't. I was once again told that this time the issue would be resolved and I would receive a. email like I did before indicating the results of my request, but I have not received anything electronically or by mail. This issue has caused a delay in me applying for a mortage. I desire to be a home owner, however, Goldman Sachs reporting my address without the apartment number has me connected as the owner of the apartments. This is un acceptable and to me an easy fix- especially since they claim that they see I live in an apartment, so why are they reporting something else and affecting my credit?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: OH

Complaint narrative:
These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-07 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: DC

Complaint narrative:
The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX XXXX - XX/XX/year> and XXXX XXXX XXXX XXXX - XX/XX/year>. I demand the deletion of these inquiries from my report, it is unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
This card was included in bankruptcy of husbands. They are still reporting it as delinquent 7 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: OH

Complaint narrative:
These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC
State: PA

Complaint narrative:
This notice come in good faith in an attempt collect A Monetary Judgment that was issued for Plaintiff XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX PENNSYLVANIA # XXXXXXXX  against Defendant SCOTT & ASSOCIATES , PC on XXXX day of XX/XX/year>. XXXX was in the amount of {$5000.00}, plus {$89.00}, for a Total Amount due of {$5000.00}. 

To date, Plaintiff has not received payment to satisfy this judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: GA

Complaint narrative:
I did not authorize none of these credit inquires i want them REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Heres the revised letter addressed to TransUnion : -- - **TransUnion** XXXX XXXX XXXX XXXX, PA XXXX Subject : Immediate Removal of Fraudulent Collection Account from Credit Report To Whom It May Concern, I am writing to dispute the results of your recent investigation regarding a fraudulent collection account on my credit report. The account in question, reported by XXXXXXXX XXXX XXXX, is not mine and the conclusion that it is accurate is **false**. I am a victim of identity theft and demand that this fraudulent account be removed from my credit report **as soon as possible**. 

I have never conducted any business with XXXX XXXX XXXX or the original creditor associated with this account. Additionally, I have filed a police report with the XXXX XXXX XXXX XXXX to document the identity theft : - **Police Report Number** : XXXX - **Officer in Charge** : XXXX. XXXX ( # XXXX ) This fraudulent account was placed on my credit report without any prior communication from the original creditor. Moreover, I was contacted by XXXX XXXX  XXXX representatives, who unlawfully threatened legal action if I did not pay this debt, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d.

As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I demand the **immediate removal** of this account from my credit report. You are required to ensure that only accurate and verifiable information appears on my credit report, and this account is clearly fraudulent. I expect written confirmation of its deletion within 30 days of receiving this letter. 

If this matter is not resolved promptly, I will have no choice but to escalate the issue, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking all available legal remedies. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, 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 2024-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Dear CFPB, I am writing to report an issue I encountered while trying to contact TransUnion regarding a loan account that I paid off on XX/XX/year> in the amount of {$200.00}. Total remaining payments {$0.00}. 

On XX/XX/year> I attempted to reach their customer service and was placed on hold for over two hours. Unfortunately, I could not wait any longer and had to hang up without speaking to a representative. 

This experience has been incredibly frustrating, and I would appreciate any guidance or assistance you could provide in resolving this matter. Thank you for your attention to this issue. 

Sincerely,

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 2024-09-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to report multiple fraudulent activities and unauthorized accounts impacting my credit profile. The following issues require investigation and immediate resolution : 1. XXXX XXXX XXXX XXXX : I did not authorize the opening of this account or any of the charges associated with it. I have no knowledge of this account and request that it be removed from my credit report as a fraudulent account. 

2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I did not authorize the opening of this credit card account or the transactions made under this account. I am disputing this account and any associated charges, requesting its removal from my credit report as fraudulent. 

3. XXXX XXXX XXXX XXXX : A charge-off for this mobile phone bill appears on my credit report. I did not authorize or initiate this account and dispute the legitimacy of this charge. I request its removal as a fraudulent entry. 

These accounts are clear violations of my consumer rights under the **Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681, which entitles me to accurate and fair credit reporting. Under this law, I request that the credit reporting agencies conduct a thorough investigation and delete the aforementioned fraudulent accounts from my credit profile. Additionally, under the **Fair Debt Collection Practices Act ( FDCPA ) **, I demand that no further collections or attempts to recover these alleged debts take place, as they are invalid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: GA

Complaint narrative:
I am writing to report multiple fraudulent activities and unauthorized accounts impacting my credit profile. The following issues require investigation and immediate resolution : 1. XXXX XXXX XXXX XXXX : I did not authorize the opening of this account or any of the charges associated with it. I have no knowledge of this account and request that it be removed from my credit report as a fraudulent account. 

2. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ** : I did not authorize the opening of this credit card account or the transactions made under this account. I am disputing this account and any associated charges, requesting its removal from my credit report as fraudulent. 

3. XXXX XXXX XXXX XXXX : A charge-off for this mobile phone bill appears on my credit report. I did not authorize or initiate this account and dispute the legitimacy of this charge. I request its removal as a fraudulent entry. 

These accounts are clear violations of my consumer rights under the **Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681, which entitles me to accurate and fair credit reporting. Under this law, I request that the credit reporting agencies conduct a thorough investigation and delete the aforementioned fraudulent accounts from my credit profile. Additionally, under the **Fair Debt Collection Practices Act ( FDCPA ) **, I demand that no further collections or attempts to recover these alleged debts take place, as they are invalid.

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 2024-09-07 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: NY

Complaint narrative:
Ive recently received a c copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: MO

Complaint narrative:
A loan was taken out XX/XX/year> with XXXX XXXX ( XXXX ) for {$3700.00} during a moment of emergency. To date the balance is {$3400.00} after making bi weekly payments of {$210.00} totally {$3600.00} in interest payments with no end in sight. This is predatory lending at its finest. I am requesting a reasonable payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: TX

Complaint narrative:
On or about XX/XX/year> I received a notification from Experian stating my credit rating had change. Upon reviewing my Experian credit report, they had added a collection to my report. 

The notification stated : - XXXX XXXX XXXXXXXX has flagged your account as Collections on XX/XX/year>. 
- Source : Experian - Company : XXXX XXXX, XXXX - Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX - Phone : ( XXXX ) XXXX - Activity : XXXX XXXX XXXX ( Collections ) - Balance Date : XX/XX/year> - Balance : {$830.00} The collection was reported by : XXXX XXXX XXXXXXXX XXXX on behalf of XXXX XXXX  for the amount of {$830.00}. 

It is a collection that does not belong in my credit report. 

Immediately, I filed a dispute to have this collection removed from my credit report to no avail. 

Experian refuses to remove this false collection from the credit report they publish. 
Experian, has stopped allowing me the ability to dispute this collection. Unless, I provide documentation for them to consider. 

There is no documentation to provide because this liability is not mine. 

I spoke to Experian representatives at one point by telephone call to address my dispute, but, we either got disconnected during the phone call or the representative hung up ( I do not know which ). 

During the phone call I asked for Experian to remove this collection from my credit report and/or to speak to someone in authority to do so. My request was not successful by phone either.

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 2024-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened a checking account with Chase Bank on XX/XX/year>, at or around XXXX XXXX. One or two days later, I deposited a money order for {$1000.00} and also deposited cash equalling {$1000.00}. Two days later, I deposited another {$1000.00}. Later that day, I realized I couldn't log into my account anymore. I called the phone number that I was told to call on the website. The representative authenticated me and then said to me that the bank decided to close my account. I asked for the reason and if there was anything I could do to help resolve the problem. I was told they couldn't give me any details about the situation and that they had a right to close the account for any reason. I told them I understood but felt I needed to know if it was for suspicious activity, compliance issues, or other matters so that I could help in any way. They again stated that they chose not to give out any details. I told them it would be more transparent to give me something, or it would make me feel discriminated against as a consumer. I don't know why they would close my account and inconvenience me by waiting 20 days to receive my money and lock me out, so I can't verify my funds without any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
This debt was included in husbands bankruptcy and despite repeated efforts of informing the for 7 years they are still trying to collect and marking payments as delinquent

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 2024-09-07 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: GA

Complaint narrative:
I did not authorize none of these credit inquires i want them REMOVED. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To whom it XXXX concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act XXXX XXXX. Block of information resulting from identity theft [ XXXX XXXX. XXXX ] ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. XXXX XXXX CODE XXXX - False or misleading representations XXXX  Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - OBTAINING INFORMATION UNDER FALSE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it 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 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Account is reflecting late but was paid off by insurance comapny

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: DISCOVER BANK
State: PA

Complaint narrative:
Discover financial services Date : XX/XX/year> Account status is being reported as negative. 
I did not give authorization for this hard inquiry that is being reported on my account. This account is only being reported on my experian credit report. It is not being reported on XXXX or XXXX bureaus making this inquiry invalid.

Company response to consumer: Closed with explanation