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

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$150000.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$35000.00} Late/Open XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$260000.00} Late/Open

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: RENASANT CORPORATION
State: MS

Complaint narrative:
I reported to Renasant Bank that on XX/XX/year>, my accounts, savings and checking were compromised and drained down to almost nothing over a series of back to back withdrawals and transfers by an unauthorized person using some form of XXXX XXXX to do so claiming to be me. The amount the bank is responsible for is {$3000.00}. Even though I have insurance with that, Bank and I thought all banks were insured for these types of situations they refuse to pay for the loss, even though they admit that it was fraudulent. They claimed that they did their investigation and that they concluded it was me who did this to myself. That is what hackers do they try to make it look like you or someone else did it. Why would I do that to myself? Makes no sense. The name on the cash app transactions was XXXX XXXX. An alias Im sure. As far as XXXX XXXX, they claimed they did an investigation as well, and that there was no fraud on their part. I never could get an honest name out of them as to who I was discussing this with it was supposed to be some sort of manager without a last name

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 2024-11-11 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: PNC Bank N.A.
State: IN

Complaint narrative:
I received a response for my initial complaint on XX/XX/XXXX from XXXX XXXX I am disappointed and to be quite frank, just flat out insulted. There was NO evidence or documentation sent with MY signature anywhere on it, proving validity of this account. She literally just sent a copy of a generic agreement that PNC established in XXXX and typed up a summary of the attachment that I initially sent ; everything she stated was information that was just pulled from my copy of my credit report that I sent, very unprofessional. Please provide LEGAL paperwork showing where both parties have " signed '' and " agreed '' ( Myself & PNC BANK XXXX. ) for the opening of this alleged account or simply discontinue any collection activity ; including any reporting/collections from XXXX XXXX XXXX XXXX XXXX.

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

Complaint narrative:
On my credit report there is a charged off XXXX account with the account number XXXX. 
To : Credit Bureau Subject : Request for Verification Method and Documentation Under FCRA for Disputed XXXX Account number XXXX Dear Credit Bureau I am writing to formally request information regarding the verification process you used to determine that the disputed account on my credit report, which I assert is a result of identity theft, indeed belongs to me. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and request that you provide specific details of the verification process and documentation used to substantiate that this account is mine. 

To date, I have submitted a formal identity theft affidavit with my dispute, affirming that I did not open or authorize this account. Despite this, your response indicated that the item was verified as belonging to me. I am now requesting the following under my FCRA rights : Method of Verification : Please provide details on the specific method of verification you used, including any contacts made, the names of individuals consulted, dates, and times of communication, as well as any companies or entities involved in verifying this account. 

Documentation : I request copies of any documents or identification used to verify that this account belongs to me. This includes : Any signed applications or agreements associated with the account. 
Identification documents presented at the time of the account opening. 
Any correspondence from the entity claiming that this account is linked to my identity. 
Under the FCRA, specifically section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ), credit bureaus are required to " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate '' or delete the item from the file if it can not be verified. Your verification process must be thorough, particularly in cases of identity theft, and simply relying on automated systems such as e-OSCAR does not satisfy the reasonable investigation standard established by FCRA or case law ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. XXXX  ) ). 

If you are unable to provide documentation proving that I signed and authorized this account, I demand that this account be permanently removed from my credit report immediately. I expect a response within 30 days of receipt of this request.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
Avant credit is paid in full with XXXX. Was disputed last year and corrected. Company is now reporting incorrect information Of balance that is a violation of FTC act and Federal Truth In credit reporting act. 

In addition, my credit report have hard inquiries unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the rest as I was told it was a soft look with No Impact. They sent additional hard pull unauthorized to several banks which is reflected by the three credit bureaus.

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

Complaint narrative:
XX/XX/year> I ordered ( order # XXXX ) a NEW XXXX from the on-line Apple store XXXX The list price was {$790.00} plus tax. 
XXXX was offering me {$310.00} trade-in credit for my OLD XXXX : {$790.00} XXXX trade-in Subtotal {$480.00} Sales Tax XXXX TOTAL {$510.00} The net {$480.00} would be financed on my new Goldman Sachs Apple Credit Card without interest over 12 months @ {$40.00} month for 12 months. 
On XX/XX/year> Apple informed that after inspecting my XXXX XXXX they would only credit me {$60.00} instead of {$310.00}. Apple said they would charge this denied $ XXXX tax to the Apple Credit Card . I declined this new offer and elected to have Apple return my XXXX XXXX. 
That same day, XX/XX/year>, I asked Apple to return my OLD XXXX and decided not to keep the NEW one. I returned the NEW XXXX to the XXXX XXXX NJ Apple store and received a paid in full receipt. 
The problem is that Goldman Sachs has kept {$330.00} as an open balance on the credit card. I have disputed this charge 3 times without resolution, each time receiving a temporary credit of {$330.00} only to have it reversed. I've repeatedly asked Goldman to contact Apple but have received no information and I have also contacted Apple who says that they issued the credit to Goldman.

Bottom-line : I returned the NEW XXXX and have my OLD one but the denied trade-in value of {$330.00} for a NEW XXXX I never kept remains on the card.

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

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Caine and Weiner {$450.00} RE : Validation of Debt in Reference to 15 U.S.C. 1681b Dear Caine and Weiner I am writing to you in response to a notice I received regarding an alleged debt under my name. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), I am requesting written verification of this debt, as I have not received sufficient evidence to establish the validity of this claim.

Please provide the following information to validate this debt : Proof of your authorization to collect this debt as required under 15 U.S.C. 1681b.

Documentation of the original debt with the name and contact information of the original creditor.

Complete payment history showing the details of the debt from inception, including any charges, fees, and interest.

Verification of the debt amount, detailing the principal, interest, and any additional fees.

Proof of my consent to be contacted regarding this debt under the applicable federal law.

Under the Fair Credit Reporting Act, you are obligated to respond to this request by providing evidence to substantiate this debt. I also request that any credit reporting related to this debt be halted until validation is completed.

Furthermore, I am requesting that you do not contact me by telephone at any time. Any further communication should be made in writing.

Please consider this letter as a formal notice to cease collection activity until this debt is validated in accordance with federal law. I look forward to receiving this information within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

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

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue 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 non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: AZ

Complaint narrative:
Edfinancial incorrectly input my check from XXXX XXXX XXXX 
The amount was supposed to be XXXX. Instead, they only credited half of it, which is XXXX for no reason on XX/XX/year>. I spent a year trying to resolve the issue. They said they found the record of the check and they indeed input the incorrect credit on my account. However, no action or credit was sent to my new servicer XXXX.

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

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXXXX/XX/XXXX Collection/Charge Off : XXXX XXXX XXXXXX/XX/XXXX {$530.00} Late Payment : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I tried to use the card around XXXX and the days following. It hasnt worked at any merchants in store or online. I contacted Amex gift card customer service twice to see what the issue was, but they just told me that nothing was wrong with the card and to try using it again in XXXX  hours. I tried that and it still didnt work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: KEYSTONE EQUIPMENT FINANCE CORP.
State: MO

Complaint narrative:
Hi, i'm a XXXX XXXX and my truck is being financed with Keystone Equipment finance Co. XXXX XXXX XXXX Ct, my account is being in good standing since day one, i have my insurance policy on my name with them as lean holder, a few weeks ago, i had an incident with a deer on the road, this caused some damage to the bumper of the truck, i took an estimated from the truck dealer and sent it to the insurance comp., they sent me a check yo pay for the repair, on my name and rhe financing co name XXXX to cash the check, it needs to be endorced by me and them, when i called them to meke it posible, they asked me to send the check to them, well now they kept the check without reason, and i can't pay for the truck repair, is it legal to keep my check, just because they are financing the equipment?, even when the account is current and in good standing? what is my right in this case?, thank you in advance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Westlake Services, LLC
State: MO

Complaint narrative:
Hello- I recently opened an auto loan with Westlake Financial Services . After I had already left the dealership with the car, my sales person notified me that the bank was now asking for XXXX references. As far as I knew the deal had already been processed since I drove away in the car and had signed all of my paperwork. 
I responded to my sales person with email addresses for XXXX references. The sales person then came back saying the bank would need their phone numbers-so I then provided him with those phone numbers. After this request-the sales person let me know that the bank was now asking for a work verification to be completed. I gave him my boss ' direct phone number and email address. 
The bank then sent the work verification email to a coworker that I had listed as a reference. I had labeled them as a coworker so there was no confusion. This coworker opened the email to find my social security number, financial information and personal information attached. This has caused a huge issue where I work as we are on the same " team '' but are competitive roles. This team member now knows I make more than her-causing issues. I've tried reaching out to Westlake numerous times to get this situation rectified but no one will answer me. I get transferred back to the " home '' option operator and have to start all over again with the call process. No one answers my emails-or when they do they say they can not help me because I do not yet have an account number. I'd appreciate any help I can get with this as I consider it a very serious matter. Thank you!

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 2024-11-11 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: Cedars Business Services, LLC
State: TX

Complaint narrative:
I have identified inaccuracies in my credit profiles. I have REPEATEDLY attempted to report these accounts as not mine, however they are not being removed. I have disputed many times including through credit bureaus and third party agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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:
I am writing to inform you that I am a victim of identity theft as a result of a recent data breach. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete all fraudulent accounts listed below from my credit report. 
The following accounts were fraudulently opened in my name and must be removed : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$970.00} XXXX. XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00}

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 explanation
Consumer complaint received 2024-11-11 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: AL

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 XXXX 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 2024-11-11 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
This account was open fraudulently. I did not open this account.

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 2024-11-11 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: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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