vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: PA

Complaint narrative:
My credit report has inquiries I don't recognize, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.

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 2024-11-20 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:
My credit report has inquiries I don't recognize, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.

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 2024-11-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I deposited high yield saving account of Marcus by Goldman Sachs and tried to withdraw XXXX usd on XX/XX/XXXX but they didnt let it happen. I called and they said needed verification. An agent told me I was not allowed to transfer and need to complete a physical document. I have all information they need and they should not have verification needed. It looks like a scam. I went online and saw others having the same situation and wanted to get all my XXXX money out. But the second time I called them an agent said it was ok to withdraw. After the call, I waited a few days and the money was still not out and bounced back to the account. I called again and they said I needed a physical document to be notarized. Now is Already XXXX and the document is still not here. They would not provide any reason why the verification failed and kept holding the money. I need the money out asap. Please help. 

I need the money with interest out asap and close the account, if possible potential compensation for all the extra effort I have to go through to get this matter settled. 

XX/XX/XXXX : The document they need me to fill in to verify has not been mailed. They said it needed another 7-10 business days. Its ridiculous. Its been 15 days since I wanted the money out. I still haven't gotten it due to their mailing delays. There was no reason provided for the delay. There was no way they could speed up the process. 

XX/XX/XXXX the paper work still hasnt arrived. I called again with answering millions of useless questions, it says its still on the way. Its been a month since I want my money and I havent gotten it. And I didnt receive the documents they said they needed to verify the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : 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 non-monetary relief
Consumer complaint received 2024-11-20 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: WV

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$18000.00}

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 2024-11-20 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: WI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-11-20 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: WI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-11-20 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: FL

Complaint narrative:
Dispute Explanation Regarding Account # XXXX I am writing to formally dispute the account listed above, as it is not mine and has been erroneously reported on my credit file. Additionally, this account has been reported beyond the legally permissible time frame outlined under federal credit reporting laws. 
Key Points : Account Does Not Belong to Me : I have no knowledge of, nor any association with, this auto loan account. I request immediate verification of ownership, including the original contract and documentation proving that I opened or authorized this account. Under the Fair Credit Reporting Act ( FCRA ), 609 ( a ) ( 1 ), I have the right to request all information used to verify the accuracy of the reported account. 

The account from XX/XX/year>. According to the FCRA, 605 ( a ) ( 4 ), derogatory accounts such as collections, charge-offs, or accounts listed as bad debt must not remain on a credit report for more than seven years from the date of first delinquency ( DOFD ). Given that the XXXX was before XX/XX/year>, this account is outside the seven-year reporting window and should have been removed from my credit report. 


This account has been repeatedly reported without proper validation. According to FCRA 611 ( a ), upon disputing an account, the credit reporting agency is required to investigate and ensure the account is accurate. If the information can not be verified as accurate, the account must be removed promptly.

The continued reporting of this erroneous and outdated account violates the provisions of the FCRA and causes undue harm to my credit profile. If this account can not be verified and validated with clear, accurate, and documented proof, it must be deleted immediately to comply with the law.

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 2024-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Allied Consumer Assistance
State: PA

Complaint narrative:
XXXX received that stated we could refinance, company is a scam XXXX, XXXX XXXX XXXX, XXXX California XXXX We XXXX XXXX information that they requested. Their documents are fictious. 
We checked their information. Their web site is deemed a scam, their mailing address is a ups store (, XXXX XXXX XXXX, # XXXX. Their billing is written through a XXXX program. The original phone number used to call them has been disconnected. 
The XXXX XXXX XXXX department has no business or license to do business listed. 
When I called the building owner, they stated that there is no such business in their building. The person we called states they are in the compliance department, but they do not answer their phone any more. We sent them {$2300.00} for processing and all our personal information. Please call us at XXXX XXXX XXXX or email us at XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-11-20 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:
I am writing to notify you that I have been a victim of identity theft stemming from a data breach. Unauthorized accounts and credit inquiries have been reported on my credit file without my consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and permanent deletion of the following fraudulent accounts and inquiries from my credit report : Fraudulent 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2024-11-20 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:
This morning, I was completely taken aback to see incorrect accounts on my credit report. I always check my report regularly, and to my surprise, there were discrepancies that hadnt been there before. I refreshed the page, hoping it was a browser issue, but the inaccuracies persisted. I need the submitted documents to be reviewed thoroughly to ensure that this kind of mistake wont happen again.

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 2024-11-20 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Equifax. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: Harris & Harris, Ltd.
State: LA

Complaint narrative:
This is a debt that has been unverified ; it keeps being removed and then sent to another debt collector to collect an alleged debt and report it to my credit. Previous collector was XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Collection/Charge Off : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: LA

Complaint narrative:
In light of increasing concerns about data security breaches and unauthorized sales of personal information on the dark web, I demand assurance that my personal information is being handled securely. I request an immediate investigation into how my data is managed and shared, and I expect you to take steps to ensure its protection. 

Per the CDIA 's definition of your verification process, XXXX XXXX XXXX is a web-based, XXXX XXXX COMPLIANT, automated system. '' I expect you to adhere strictly to these standards.

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 2024-11-20 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: IL

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts, and I have no knowledge of their origin. In compliance with USC 1681g, I am requesting their removal within 15 days. Attached are the relevant documents for your review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to remove theses inquiries of my credit report from TransUnion since I did not authorized. 

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Experian regarding a dispute I submitted concerning an incorrect address on my credit report. 

On XX/XX/year> at XXXX, I initiated a dispute with Experian requesting that an inaccurate address XXXX XXXX XXXX XXXX XXXX be investigated ( I was on the phone with representative and he confirmed he seen my request for dispute of address use time listed for reference of phone conversation ) Experian responded to my dispute, stating that they would change the address on my report to XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, upon reviewing my credit report, I found that this change has not been reflected. 

I contacted Experian for clarification, and they informed me that they will not make the update as indicated in the results of my dispute. Despite their initial response indicating they would change the address, they have refused to fulfill that commitment.They informed that the address must stay the same and they may have made a mistake because it is connected to a fraudulent accounts on my report XXXX XXXX XXXX and XXXX XXXX XXXX which I have let them know to be fraudulent ( Also asked for Proof of Authorization for each account in question, including signed documents or digital agreements. 
Proof of the Reporting Creditor 's Investigation confirming the accuracy and validity of the disputed items. 
Verification that the debt was reported which they failed to do ) and about the address change I stated that I understand that bureaus are adhere to 100 % accuracy and must abide to the address change which the representative said they refused to do I also asked to speak to supervisor which they refused to do This failure to correct the report as stated in their dispute results is causing ongoing issues for me, as the incorrect information continues to appear on my credit report. I am seeking assistance in resolving this matter and ensuring that Experian follows through with the correction and update address to address that they said that would/and or remove the fraudulent accounts because they did not send me the documentation requested to prove said account l I would appreciate your support in facilitating communication with Experian to ensure that the change is made as agreed. 

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

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 explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Multiple calls despite calling trying to resolve debt and specifically informed I would no longer want calls

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-20 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief