vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: OH

Complaint narrative:
I am reaching out for your assistance with an incorrect account on my credit report that is damaging my standing as a customer. I want these accounts removed, as they are being reported in a false and harmful manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: OH

Complaint narrative:
I am reaching out for your assistance with an incorrect account on my credit report that is damaging my standing as a customer. I want these accounts removed, as they are being reported in a false and harmful manner.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am reaching out for your assistance with an incorrect account on my credit report that is damaging my standing as a customer. I want these accounts removed, as they are being reported in a false and harmful manner.

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 2024-10-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Subject : Account Closure Inquiry Unable to Provide Account Number Due to Account Lock I am writing to formally document the recent developments concerning my Marcus by Goldman Sachs account. 

Background : Account Opening Date : XX/XX/year> Current Status : Locked and closed as of XX/XX/year> Timeline of Events : 1. On XX/XX/year>, I attempted to access my account via the Marcus mobile app and received a message indicating that my account was locked, requiring me to contact customer service. 
XXXX. I called Marcus customer service on XX/XX/year>, and spoke with four representatives. After discussing the issue, I was transferred to a specialist who informed me that a business decision had been made to close my account. The reasons provided included possibilities such as fraudulent information or illegal activity, but no specific details were given. 
XXXX. Unsatisfied with the initial response, I made a follow-up call on XX/XX/year> and spoke with a specialist named XXXX. I requested to speak with a supervisor and was informed that supervisors are available XXXX  through XXXX, and a request for a call-back was submitted. 

Concerns : Lack of Transparency : I have not been provided with specific reasons for the closure of my account, which is concerning. This lack of communication has affected my trust in the institution.

Financial Impact : The closure of my account without prior warning or notification has the potential to impact my financial standing. 
No Prior Warning : I did not receive any warning or notification before the closure, which is not only unsettling but also unfair. 

Requests : XXXX. I am requesting a detailed explanation regarding the closure of my account, including any specific activities or information that led to this decision. 
XXXX. Please provide written confirmation of the account closure and the reasons behind it. 
XXXX. I also request the full refund of my {$500.00} deposit, as previously mentioned by your representatives. 

I would appreciate a prompt response to this letter, ideally before my scheduled supervisor call. This will allow me to have a more informed discussion and seek a resolution effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Report Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) After reviewing my recent credit report, I have identified the following inquiries that I do to recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: MD

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Entrata Inc.
State: FL

Complaint narrative:
My social security is not tied to the address thats on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. I never lived there. Look up my real social and stop going by what someone put on a piece of paper. I can give you my social. But I need that address off my credit because it is not me! It hindering me from getting a place for me and my XXXX kids!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I called CITI Bank fraud services at XXXX and gave them all the information. Despite multiple calls, I was told that they could not verify the number and identity.

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 2024-10-29 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: GA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting NON-MAILABLE ADDRESSES on my credit report. I have reached out to them several times regarding the matter via telephone and letter ( attached mailed on XXXX ), however the problem remains unsolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

Complaint narrative:
Companies LexisNexis and XXXX XXXX failed to adhere to letter specifically from the bankruptcy courts stating that they don't sell, share nor release this information for the purpose of furnishing to credit reporting agencies and to remove it immediately which did not happen. Also I requested to have all my personal financial information removed from all databases and instead both companies deflected by saying the count not identify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
I applied for a loan with Mosaic for a home improvement loan. This loan was a loan that requires no payments due for the first 12 months. Once my loan was approved, the funds for the construction were wired directly to XXXX XXXX, which is a preferred construction company with Mosaic, and was contracted by Mosaic to complete the work. To this day, after more than a year has gone by, XXXX has failed to complete any work, and now Mosaic is contacting me about monthly payments due when no work or services were ever completed. In addition, XXXX XXXX has contacted Mosaic and me by both phone and with a letter confirming that they failed to complete any work and that XXXX is taking full responsibility for the loan and payments. I have also contacted Mosaic by phone multiple times requesting that, due to a breach of contract and no work or services received from XXXX XXXX, I would like a full cancellation of the loan. Mosaic refuses to cancel the loan, and due to this, my credit has been negatively impacted, credit accounts with high dollar credit lines cut drastically ( i.e. ) lines from XXXX & XXXX cut to XXXX and XXXX and interest high rates gone 10 % to XXXX and XXXX and XXXX Closed my Account with a XXXX line a look at my credit reports would show no lates in the last 15 years, which now has created extreme financial hardship for me and my family as a senior citizen. THIS SENIOR FINANCIAL ABUSE. I have uploaded the signed letter received from XXXX XXXX showing they have failed to complete any work and are taking full responsibility for the repayment of the loan. Mosaic is unwilling to cancel my loan and make XXXX XXXX responsible for the repayment of funds that XXXX received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: TX

Complaint narrative:
I am writing to request your assistance in addressing XXXX ongoing refusal to correct inaccurate accounts on my consumer report. On XX/XX/year> ; XX/XX/year> ; and XX/XX/year>, I contacted Experian through both letters and phone calls, requesting that they correct inaccuracies on my report. 

Despite my repeated efforts, Experian continues to disregard my requests and ignore my right to an accurate report. This persistent inaction demonstrates a lack of respect for my rights under the Fair Credit Reporting Act, and it is having a detrimental impact on my financial standing. 

I am seeking the CFPBs intervention to hold Experian accountable and ensure my report is updated to reflect accurate information.

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 2024-10-29 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: GA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TN

Complaint narrative:
Violation FTC Public Policy derogatory marks left on credit report & CFPB Consumer Protection Act Data Breach of my personal information to dark web, third-partys unknown inquires without my consent, Authorization. Breach of data Employees of XXXX XXXX Credit Card. 
And theft of information, Mishandling- of- billing- disputes Practices and USURY LAWS of Federal and State.Committing Unfair Deceptive and Abusive- Acts Practices Regulations pursuant provisions of TILA violates Card Act Major provisions Probity of Contract Law didnt provide me with ramifications or Consent. FDCPAct [ 15 USC 1692 et sew. ] & ( FCRA ) 611 ( a ) ( 1 ) ( A ) This is not a refusal to pay However this notice made pursuant Competent ecvidence, Negligent Enablement of Imposter Fraud. 

Deceptive- Unfair - Practices. 
Abusive Acts Practices of charging interest on loans but limited maximum rate of XXXX percent, Violation Federal and State CBP laws mishandling - of- billing-disputes Practices and USURY LAWS VIOLATIONS VIOLATES No Notice, Arbitrary Action Rights denied. Old information reappears never goes away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TN

Complaint narrative:
Violation FTC XXXX XXXX derogatory marks left on credit report & CFPB XXXX XXXX XXXX XXXX Breach of my personal information to dark web, XXXX unknown inquires without my consent, Authorization. Breach of data XXXX of XXXX XXXX XXXX XXXX 
And theft of information, Mishandling- of- billing- disputes Practices and XXXX XXXX of Federal and State.Committing XXXX XXXX XXXX XXXX XXXX XXXX Regulations pursuant provisions of TILA violates Card Act Major provisions Probity of Contract Law didnt provide me with ramifications or Consent. FDCPAct [ XXXX XXXX XXXX et sew. ] & ( FCRA ) XXXX ( a ) ( XXXX ) ( A ) This is not a refusal to pay However this notice made pursuant Competent ecvidence, Negligent XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX 
Abusive Acts Practices of charging interest on loans but limited maximum rate of XXXX percent, Violation Federal and XXXX XXXX laws mishandling - of- billing-disputes Practices and XXXX XXXX XXXX XXXX No Notice, Arbitrary Action Rights denied. Old information reappears never goes away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Prepaid card — Gift 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:
Im in receipt of an American Express gift card. It is a {$25.00} snowflake card. When trying to check the balance online it said that they were errors and I called the number on the back of the card. Was told the card is not valid anymore and The {$25.00} was turned over to unclaimed property and he insisted this was the law in New Jersey. I said its good through XXXX so why would you take money of a card that Im holding and he said because its an active and I said but thats my decision and the only resolution was to send them a photo of the card front and back and then send them a copy of my drivers license, via email. I dont feel comfortable sending them all this information. I said why cant you just re-issue me another card he said no I cant he said its an unclaimed property and I said but they dont know that it belongs to me because it was a gift card, so I cant claim. I dont believe that this is happened and I said the gift card has an expired so theres no right that you had to take my money and he kept saying that its the state law. So I will I am not trusting. Bottom line is this gift card XXXX holding has a XXXX balance it is in active when it shouldnt be.

Company response to consumer: Closed with explanation