vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: GA

Complaint narrative:
XX/XX/year> ( the XXXX I believed ) I made a purchase on a website called XXXX I input the incorrect address on my order and quickly tried to cancel. This was not possible, so I began reaching out to the vendors I had purchased through. XXXX is mostly based in XXXX, and so the vendors are on different time zones theres a language barrier etc. I reached out to each and didnt receive a response. I filed complaints with each through the site and quickly had my account restricted. So now XXXX cant even reach out. I had contacted one of the vendors through XXXX, because they included their contact info. He assured me my package was in transit which was not helpful as it had the wrong address. I reached out a few more times and he stopped responding. I searched and found the support email on their official page. I sent an email explaining my situation and the order numbers. I quickly got a response that the email did not exist. I then opened a dispute with my card company. They have repeatedly denied my claim even with ample evidence. This company is Goldman Sachs and the card is their XXXX Apple Card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Ss # XXXX XXXX XX/XX/XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, Ga XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Block and Delete Fraudulent Accounts under 15 USC 1681c-2 ( a ) Dear Equifax, I am writing to request the blocking and permanent deletion of fraudulent accounts from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ). I have been a victim of identity theft, which I believe occurred as a result of the data breach involving Equifax. 
Below are the accounts that have been fraudulently opened in my name and that I request be immediately blocked and deleted : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Reported : {$14000.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$25000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX ( Charge-off # XXXX ) Date Opened : XX/XX/XXXX Balance Reported : [ Insert Balance ] XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$2200.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$7200.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$4600.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$4600.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$1100.00} I have enclosed a copy of my identity theft report filed with the appropriate authorities, along with other supporting documentation ( e.g., a police report, FTC Identity Theft Report ) to verify my claim.

Under the FCRA, Equifax is required to block the reporting of information that resulted from identity theft within four business days of receiving my request and supporting documentation. Therefore, I kindly ask that you : 1. Block the reporting of the above accounts.

2. Delete any references to these fraudulent accounts from my credit file. 3. Send me written confirmation of the actions taken.

If you require additional information or documentation to process this request, please contact me promptly at the details provided above.

Thank you for your attention to this matter. I appreciate your cooperation in protecting my credit file from further harm caused by identity theft. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: WI

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against Experian for their failure to address my dispute regarding unauthorized credit inquiries on my credit report. Despite following the proper steps to dispute these inquiries, they remain on my report, and my concerns have been dismissed. 

Background On XX/XX/year> and XX/XX/year>, I disputed several credit inquiries on my Experian credit report that I did not recognize or authorize. These inquiries negatively impact my credit score and misrepresent my financial behavior. I followed up by calling Experian directly to request removal of these inquiries, as I believed this would expedite the process. During the call, I explained my concerns, but they failed to act on my request or provide any satisfactory resolution.

My Concern I do not recall authorizing the inquiries I disputed, and Experian has not provided any documentation to prove that I consented to them. Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any item on their credit report they believe to be inaccurate or unauthorized. Furthermore, the FCRA requires credit bureaus to verify disputed items and remove them if they can not be confirmed as accurate. 

XXXX failure to remove these inquiries, or provide documentation proving their legitimacy, is both a violation of my rights and a failure to uphold their responsibilities under the FCRA. 

Why This Matters Unauthorized inquiries damage my XXXX XXXX and misrepresent my financial behavior, which can impact my ability to secure credit in the future. It is crucial that credit reporting agencies follow the law and ensure that only accurate and authorized information is reflected on consumers credit reports. 

I have attached all relevant documentation, including a copy of my initial dispute with Experian and my most recent credit report showing the unauthorized inquiries. I trust that the CFPB will address this matter promptly and ensure that my concerns are taken seriously. 

Thank you for your attention to this issue. Please let me know if any additional information is needed to assist in your review.

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: 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 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/year> I had cash to deposit at the PNC bank branch location XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I arrived before the bank was open so opted to use the ATM to deposit cash. I had a large deposit and was feeding bills in stacks ( I followed ATM instructions on the amount of bills to enter at once and entered less than the maximum each time ). About XXXX of the way through the deposit ( {$2600.00} ), the ATM froze and I waited for several minutes until the ATM completely shut down, kept my debit card and said that it was out of order. I waited until the branch opened and went inside to report. Initially they did not want to file the report, but I insisted that before I left that it was properly documented by the branch of the issue and the total deposited. I provided them all the details and they filed a dispute, while sending me to another branch at XXXX XXXX XXXX, XXXX OH XXXX to get a replacement debit card and deposit the remaining amount of cash that I had of {$1300.00}. I completed both transactions immediately after finishing the reporting on XX/XX/year>. PNC issued a provisional credit based on the dispute to my checking account on XX/XX/year>. On XX/XX/year>, I received a letter from PNC stating that my dispute was found to be invalid and they removed the credit from my account ( Reference # XXXX ). The letter stated to call them if I would like to review the documentation associated with their decision. I called and requested all information and was told that they could not provide anything other than telling me that the ATM balanced. I explained that there had to be video of my deposit, along with the proof that my debit card was never released, as well as the time of the ATM shutting down. They told me that this would not be available for my review. I asked them to re-open the dispute as of today, XX/XX/year>, but currently they have {$2600.00} of my money with absolutely no documentation to prove out their decision to turn down my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-22 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 was shocked to see inaccurate accounts appear on my credit report this morning, and I can't understand why. When I checked my report as I regularly do, I noticed these unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the inaccurate accounts were still there. This is deeply concerning, and I urgently request a thorough review of the documents Ive provided so I can have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
In XXXX, I contacted Newrez to initiate a buyout assumption for the mortgage on a property I co-own with my friend. The goal was to transfer the loan into my name, removing my friend from liability. Throughout multiple calls and emails, I clearly explained our situation and was guided through the steps to complete the assumption. At no point was I informed that relationship status ( as non-relatives ) would make us ineligible. Based on Newrezs assurances, my wife and I made significant life decisions, including hiring movers costing {$1700.00} and relocating to the property, assuming we would keep the favorable interest rate of 3.2 %. However, a few days ago, over the phone, the loan officer handling our case asked if my friend and I were related. When I said no, he stated the assumption could not proceed because we are not relatives and expressed surprise that we had made it this far in the process, as our relationship status should have been addressed months ago. I was told the only way to remove my friend from the mortgage was to refinance, which would mean losing the current interest rate. This contradicts months of guidance from Newrez, who knew from the beginning that my friend and I were not related. Nowhere in their documents, communications, or website is it stated that assumptions are restricted to relatives. Their failure to disclose this policy upfront caused unnecessary stress and financial harm. Had we been informed earlier, we would not have moved or gone through this process. Additionally, I could find no legal requirement limiting buyout assumptions to relatives, suggesting this is an internal policy that should have been disclosed at the outset. This process has been unnecessarily stressful, and I believe Newrez should be held accountable for their negligence and misrepresentation.

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
AFFIRM INC XXXX XXXX XXXX FL XXXX, XXXX XXXX CA XXXX Subject : Debt Validation Request Dear AFFIRM INC, I am writing in response to your recent communication regarding the alleged debt referenced in your letter. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ), I am requesting validation of this debt.

Specifically, I request the following documentation : 1. Proof of Debt : Copies of all records showing the amount of the debt, how it was calculated, and the original contract or agreement signed by me.

2. Assignment of Debt : Copies of all contracts or assignments that demonstrate your legal right to collect this debt, including any chain of assignment from the original creditor to your company.

3. Original Creditor Information : The name, address, and contact information of the original creditor, along with details about the account and any outstanding balance at the time of the assignment or sale.

4. Payment History : A detailed, itemized statement showing any payments made, fees added, and the balance still owed.

5. Statute of Limitations Verification : Documentation confirming the date of last payment and whether the debt is within the statute of limitations.

Until I receive the requested documentation, I dispute the validity of this debt. I also request that all collection efforts, including reporting to credit bureaus, be halted until this matter is resolved.

Please note that future communication regarding this matter should be in writing and sent to the address listed on file. Additionally, I request that you do not contact me by phone. 

Thank you for your cooperation. I look forward to receiving the requested information within 30 days of your receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: January Technologies, Inc
State: FL

Complaint narrative:
This was paid after being charged off.They are reporting inaccurate information, the account is reporting years of late payments after being in collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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 did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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 notify you that I have been a victim of a data breach, and as a result, an unauthorized inquiry appears on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and removal of the following inquiry from my credit report : Unauthorized Inquiry : XXXX Date : XX/XX/2023

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i sending a dispute to XXXX and transunion about reporting inaccurate information on my credit report because it is damaging my credit score and keeping me from getting a home to live in. requesting deletion of items from my credit report because i supossed to gotten a 1099- c for the charge off accounts and file them on my taxes as income. Income is a violation if its reported on 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 explanation
Consumer complaint received 2024-11-21 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: FL

Complaint narrative:
i sending a dispute to equifax and transunion about reporting inaccurate information on my credit report because it is damaging my credit score and keeping me from getting a home to live in. requesting deletion of items from my credit report because i supossed to gotten a 1099- c for the charge off accounts and file them on my taxes as income. Income is a violation if its reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, JPMorgan Chase issued a cashiers check for {$6900.00}. The check was marked as delivered on XX/XX/XXXX or XXXX, but I never received it. I immediately called the bank to report the issue, and they advised me to wait 10 days for further action. On XX/XX/XXXX or XXXX, I called again, but the situation was still under review. When I called back on XX/XX/XXXX or XXXX, I was informed the check had already been cashed. 

On XX/XX/XXXX, I visited the bank and submitted a Declaration of Lost Cashiers Check form, confirming I never received or cashed it. Despite this, the bank stated the funds could not be recovered. I made multiple calls, yet the bank failed to cancel or freeze the check after my reports, and no resolution has been provided to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentialit

y under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: AK

Complaint narrative:
I bought a new vehicle recently. The dealership chose TD Financial for me. I was overcharged by the dealership, and they returned money to me with several transactions. They sent these refunds to TD instead of me, which was odd I thought. They said they had to. I'd like to know if that is true, legal and why. 
More importantly, I would like to know if what TD did was illegal or just unethical. When they received these checks from the dealership, instead of crediting the principle as one would expect, they instead held the money to allocate it to future payments. Thus, the principle remained the same, making them more money and costing me. 
To me it is quite the scam or loophole and must make them millions. Is it legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: MT

Complaint narrative:
Resurgence Capitol calls several times a day for payment that has already been arranged. They claim ownership of several accounts and threaten to sue if I don't agree to set up auto pay with them. I've asked for proof of debt and communication to be made strictly by mail. I still receive multiple emails and calls.

Company response to consumer: Closed with explanation