vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
On XX/XX/year>, I made a payment to XXXX XXXX ( Apple Card ) in the amount of {$5400.00}. Immediately after, I received a notice that my credit limit had been decreased down to next to the amount of the payment. This, of course, means that after uprooting my life and selling my house in order to make a sizable payment, they took accepted the payment and then took the available credit from that payment. In other words, all of that saving and home selling/buying process to get the equity was for absolutely nothing. I attempted to contact them several times asking them to reverse the ACH due to the timing of this and no one is helping me. Thats XXXX XXXX dollars down the drain for no reason whatsoever. I am understanding in the fact that a credit limit can be raised or lowered at any time, but the timing of this seems odd. How was my credit limit where it was this entire time and then as soon as I make a payment, they take it away from me so I have no access just in case I needed it for emergencies. I will be disputing this with my bank as it feels as if I made this payment under false pretenses. Had I known that my credit would be taken away, I wouldve not made a payment in that high of an amount. Should they review this complaint, I ask again, please contact me to get this payment refunded so that I may reallocate those funds across other cards that help me better my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NC

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. These accounts were opened or reported without my authorization, and I suspect they are the result of identity theft stemming from a data breach. As provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent information removed from my credit file. 
Fraudulent Accounts to Be Blocked and Deleted XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$12000.00} XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3700.00} XXXX. XXXX XXXXXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5900.00} XXXXXXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$10000.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5100.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5900.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00}

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 2024-11-27 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: TX

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: NJ

Complaint narrative:
I recently reviewed my credit reports from XXXX, XXXX, and Experian and noticed three collection accounts reported by XXXX XXXX XXXX that I believe are inaccurate. 

Account 1 : Balance of {$560.00}. 
Account 2 : Balance of {$450.00}. 
Account 3 : Balance of {$1500.00}. 
Here are the issues : The balances listed do not match any of the credit card limits from my original creditors.

One of the accounts may belong to someone else with a similar name, as I do not recognize it and believe it may have been incorrectly assigned to my credit file. 
My XXXX XXXX  card was paid in full prior to being closed, yet it is being reported as charged off, which is inaccurate. 
I am requesting that XXXX XXXX XXXX and the credit bureaus verify the accuracy of these accounts by : Confirming the Social Security number and other identifying information to ensure the accounts actually belong to me. 
Providing a full ledger of charges and payments for these accounts to verify their validity. 
If the accounts can not be fully validated with accurate documentation, I respectfully request their immediate removal from my credit 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 explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: CA

Complaint narrative:
uploads has me reported differently to all three credit bureaus I misunderstood the payment structure of these loans as they were not monthly payments rather they were biweekly payments drawn directly from my bank account. if it appeared, you were falling behind, they would offer you a what they called refinance and loan you more money on top of it. although it was not a refinance because they would close the account and open a new account as you can see in my XXXX entrance Union report I never received any monthly statement from up loans, also known as XXXX XXXX So I was never clear what I was paying Respectfully, I am asking the consumer financial protection bureau to look into this for me and if at all possible to remove the records from my credit reporting I am fairly unclear of their true name as they operate under rise, credit up loans and finwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: TN

Complaint narrative:
I received a copy of my credit report and found the following items to be an error. 

XXXX XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX HIGH BAL : {$3300.00} BAL OWED : {$3000.00} Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under a 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 21days before the payment due date. I NEVER gave EXPERIAN Reporting Agency OR XXXX XXXXXXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EXPERIAN Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written 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 explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/year> Returned Item fee XXXX {$29.00} XXXX ( XXXX ) XXXX XXXX Returned Item fee XXXX {$29.00} XXXX XXXX Returned Item fee XXXX {$29.00} XXXX XXXX Charge off XXXX {$430.00} Total Returned Item fee ( XXXX ) {$110.00} XXXX Returned Item fee {$29.00} XXXX XXXX Returned Item fee {$29.00} XXXX XXXX Returned Item fee {$29.00} Total Overdraft fee charged {$20.00} Total Returned Item fee ( XXXX ) {$110.00} XXXX XXXX Returned Item fee {$29.00} XXXX XXXX Overdraft fee {$40.00} XXXX XXXX Overdraft fee {$40.00} XXXX XXXX Returned Item fee XXXX XXXX XXXX Returned Item fee {$29.00} XXXX XXXX Total Overdraft fee {$80.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries from my credit report. As a victim of identity theft resulting from a data breach, I did not authorize the accounts or inquiries listed below. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to the immediate removal of these items from my credit file.

Fraudulent Accounts to Be Blocked and Deleted XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4100.00} Unauthorized Inquiry to Be Blocked and Deleted XXXX. XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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 am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries from my credit report. As a victim of identity theft resulting from a data breach, I did not authorize the accounts or inquiries listed below. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to the immediate removal of these items from my credit file.

Fraudulent Accounts to Be Blocked and Deleted XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4100.00} Unauthorized Inquiry to Be Blocked and Deleted 1. XXXX ( XX/XX/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 2024-11-27 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: NJ

Complaint narrative:
Late payments listed on my credit report seem to be mistakes. Please correct these inaccuracies to reflect my history.

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 2024-11-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Unapproved hard inquiries are affecting my credit score. Remove them 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 2024-11-27 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: TX

Complaint narrative:
I am writing to formally dispute the collection account listed on my credit report under the account name XXXX XXXX XXXX XXXX ( Account # XXXX ) **. This account is inaccurate and I request its removal under the Fair Credit Reporting Act ( FCRA ). 
The details of the account are as follows : Original Creditor : XXXX XXXX XXXX Balance : {$190.00} Date Opened : XX/XX/year> Under the FCRA ( 15 U.S.C. 1681 ), all information on a consumer 's credit report must be 100 % accurate, verifiable, and complete. I believe this account fails to meet these criteria for the following reasons : 1. Lack of Proper Validation : As required under the FDCPA ( 15 U.S.C. 1692g ), XXXX XXXX XXXX must validate this debt. Please provide documentation proving the validity of this debt, including the original signed agreement with XXXX XXXX XXXX. 
2. Reporting Errors : If this account can not be verified within 30 days as required by FCRA 611 ( a ), it must be corrected or removed immediately.

3. Possible Duplicate or Fraudulent Entry : I have no recollection of this account and suspect it may have been added erroneously. 
Please investigate this account and provide documentation supporting its accuracy or remove it promptly. Include the following in your response : Documentation validating the debt. 
Proof that XXXX XXXX XXXX has the authority to collect this debt. 
Evidence that the account reporting complies with FCRA guidelines. 
I also request that you notify me of the outcome of your investigation within 30 days as required by law. 
Enclosed are copies of my identification ( government-issued ID and utility bill ) and the report highlighting the disputed account for your reference. 
Thank you for your immediate attention to this matter. I look forward to your prompt response.

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 2024-11-27 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : TEXAS XXXXXXXX XXXX XXXXXXXX XXXX Balance {$630000.00} TEXAS XXXX XXXXXXXX XXXX XXXXXXXX Balance {$11000.00} TEXAS XXXX XXXX XXXX XXXX Balance {$630000.00} TEXAS XXXX XXXX XXXX XXXX Balance {$11000.00} TEXAS XXXX XXXX XXXX XXXX Balance {$630000.00} TEXAS XXXX XXXX XXXX XXXX Balance {$11000.00}

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 2024-11-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX  XXXX Balance {$630000.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$11000.00} XXXX XXXX  XXXX XXXX XXXX Balance {$630000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance {$630000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take this complaint seriously and review the attached file. I have been trying for far too long to correct the errors on my credit report, but my efforts have been repeatedly ignored. Despite multiple requests to address the inaccurate information, nothing has been resolved, and Ive reached my breaking point. These errors are impacting every aspect of my life, from my financial stability to my emotional well-being. The stress caused by this situation is overwhelming, and with my credit score suffering because of these mistakes, I cant even afford the help I might need to cope.

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 2024-11-27 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: FL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and unauthorized inquiries from my credit report. I am a victim of a data breach, and I did not authorize these accounts or inquiries. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed without delay.

Fraudulent Accounts to Be Blocked and Deleted 1. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1600.00} 2. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$880.00} 3. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1700.00} 4. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$6700.00} 5. XXXX  XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1700.00} 6. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3900.00} 7. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3900.00} 8. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$8300.00} 9. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries to Be Blocked and Deleted 1. 1 XXXX XXXX  ( XX/XX/XXXX ) 2. XXXX XXXX XXXX  ( XX/XX/XXXX ) 3. XXXX XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX ( XX/XX/XXXX ) 5. XXXX XXXX ( XX/XX/XXXX ) 6. XXXX ( XX/XX/XXXX ) 7. XXXX  XXXX XXXX  ( XX/XX/XXXX ) 8. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) 10. XXXX ( XX/XX/XXXX ) 11. XXXX ( XX/XX/XXXX ) 12. XXXX XXXX XXXX ( XX/XX/XXXX ) 13. XXXX XXXX XXXX ( XX/XX/XXXX ) 14. XXXX ( XX/XX/XXXX ) 15. XXXX ( XX/XX/XXXX ) 16. XXXX XXXX  ( XX/XX/XXXX ) 17. XXXX XXXX  ( XX/XX/XXXX ) 18. XXXX XXXX ( XX/XX/XXXX ) 19. XXXX XXXX XXXX ( XX/XX/XXXX ) 20. XXXX XXXX XXXX ( XX/XX/XXXX ) 21. XXXX XXXX ( XX/XX/XXXX ) 22. XXXX XXXX  ( XX/XX/XXXX ) 23. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 24. XXXX XXXX ( XX/XX/XXXX ) 25. XXXX XXXX ( XX/XX/XXXX ) 26. XXXX XXXX ( XX/XX/XXXX ) 27. XXXX XXXX ( XX/XX/XXXX ) 28. XXXX XXXX ( XX/XX/XXXX ) 29. XXXX XXXX ( XX/XX/XXXX ) 30. XXXX ( XX/XX/XXXX ) 31. XXXX XXXX XXXX ( XX/XX/XXXX ) 32. XXXX XXXX XXXX ( XX/XX/XXXX ) 33. XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) 34. XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: MI

Complaint narrative:
I sent a copy of my check stub for this pay period week XX/XX/year>. It goes all the way back to XX/XX/year>. When my checks started coming up short and then my job deposits my checks into my chime account and my pay didn't match what was going into my chime account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Billing mistakes on my credit report show late payments that aren't accurate. Please update the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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:
Ive recently become a victim of identity theft, and my personal information has been used without my knowledge or consent. As a result, I am now seeing several accounts and inquiries on my credit report that I have never opened or been associated with. To address this, I followed the proper steps, including filing a report with the FTC and submitting it to Equifax. Despite this, the fraudulent items are still showing on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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:
Ive recently become a victim of identity theft, and my personal information has been used without my knowledge or consent. As a result, I am now seeing several accounts and inquiries on my credit report that I have never opened or been associated with. To address this, I followed the proper steps, including filing a report with the FTC and submitting it to Experian. Despite this, the fraudulent items are still showing on my 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 explanation