vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
My XXXX savings account was debited for {$6000.00} by Goldman Sachs Collection. I have never had any products or services provided by said company. I reached out to my bank who stated that there had to be an investigation conducted. I contacted Goldman Sachs to see if there was a fraudulent account opened in my name or to see if they can assist with removing my banking information off of their system. I was greeted with an unprofessional associate with no introduction just a hello. I informed the associate that they were hard to hear to which they moved their headset closer and said can you hear me know. I informed them that I was calling because there was a fraudulent charges debited from my account by Goldman Sachs. I was told they need to tracer number and if one couldnt be provided they couldnt assist me. No one asked for my name or any identifying information to help resolve the matter ; regurgitated Reg XXXX dispute process and I need to contact the bank. If she would have bothered to ask any follow up questions she would be aware that I started with them first. For Goldman Sachs to be a highly revered firm its shame I have to report them. Their terrible customer service and lack of accountability for fraudulent activity shows they have no regard for consumer information protection and they should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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 recently reviewed my consumer report and I noticed a account that I did not apply for and didn't look familiar or give authorization to, After reaching out to the CRA and the creditors, I was advised they did not have file of me applying for credit with their company but both insisted on pushing-back even though they know i let them know the items in question i did not belong to me and the creditors agreed that it is a violation of my consumer right under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and I want these items removed ASAP because it had a negative impact 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 non-monetary relief
Consumer complaint received 2024-04-09 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: NC

Complaint narrative:
I recently reviewed my consumer report and I noticed a account that I did not apply for and didn't look familiar or give authorization to, After reaching out to the CRA and the creditors, I was advised they did not have file of me applying for credit with their company but both insisted on pushing-back even though they know i let them know the items in question i did not belong to me and the creditors agreed that it is a violation of my consumer right under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and I want these items removed ASAP because it had a negative impact on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have submitted two credit report disputes with TransUnion over incorrect information : Misspelling of a previous name Mixed up previous address information ( unit number not matching the address ) Listed address that I have never lived at

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 2024-04-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: NY

Complaint narrative:
Call companys regarding missing money from my account company supervisor took my complaint and closed the card for fraud in the amount $ XXXX XX/XX/XXXX and sent another card to me express and XX/XX/XXXX card was canceled.My card is still canceled on XX/XX/XXXX Social Security Benefits was deposited to my account I can not access my money I need my money I am on fixed income.when I called the put you on hold for one hour called everyday I need my money now this absurd I worked for my benefits. Went SSA no help attitude problems

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I sent XXXX money for a service in a video game which they did not provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: NE

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: KY

Complaint narrative:
Transunion is reporting income to consumer 's report. The IRS has accepted this as reported income and 1099C cancellation of debt by XXXX XXXX XXXX account number # XXXX was received from IRS. Transunion is inaccurate reporting income a certificate of indebtedness to my consumer report. I have attached my personal identifying information such driver 's license and utilities bill. XXXX XXXX XXXX XXXX # last four digits # XXXX XXXX XXXX XXXX XXXX KY XXXX I am not a third party or credit. Reporting income is not accurate ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed 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 non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I comprehend that under FCRA 605B, it's crucial to eliminate any incorrect accounts from my credit report. Would you mind examining the documents? I've observed that numerous of the listed accounts appear to be inaccurate, which is causing me concern.

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 2024-04-09 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: Mobiloans, LLC
State: WA

Complaint narrative:
I am disputing the inaccurate credit reporting by Mobiloans LLC on my account # XXXX. On XX/XX/2024, I sent Mobiloans  a detailed letter identifying multiple violations of the Fair Credit Reporting Act ( FCRA ) in how they have reported this account, including : Including ambiguous " Payment after charge-off '' remarks that do not clearly explain my payment obligations, violating FCRA 623 ( a ) ( 5 ) ( C ).

Charging off the account prematurely after only 6 months, despite no delinquencies on my credit report, raising questions about the validity of the default status under FCRA 623 ( a ) ( 5 ) ( A ).

Reporting a balance of {$1800.00} that exceeds my {$1500.00} credit limit, without any explanation if I had agreed to over-limit balances, in violation of FCRA 623 ( a ) ( 1 ) ( A ) accuracy requirements. 
I requested that Mobiloans remove this account from my credit report within 30 days, as the information can not be verified as accurate. Their response on XX/XX/2024 failed to address my specified disputes, simply stating that I provided " inadequate information '' and that my claims were " baseless. '' They refused to remove the account. 

In follow-up correspondence, I provided detailed citations to the specific FCRA provisions being violated. Mobiloans again dismissed my disputes as " frivolous '' without conducting the thorough investigation required by FCRA 623 ( a ) ( 8 ) ( E ) ( i ). 

Mobiloans ' continued refusal to correct blatantly inaccurate credit reporting, and their failure to properly investigate legitimate disputes, represents clear, willful noncompliance with the FCRA. Therefore, I am forced to escalate this matter by filing complaints with the CFPB, FTC, XXXX, and state attorney generals. Mobiloans must be held accountable for these FCRA violations that are damaging my credit profile. I demand that this account be promptly deleted in its entirety.

Company response to consumer: Untimely response
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
While checking my credit report I noticed XXXX XXXX attempting to collect on a debt that belongs to someone else. I have requested any signed contracts signed by myself requesting an account with them. A phone log, IP addresses, or anything from Aspire Credit to help identify who opened this account. I have received absolutly nothing from them which has led to me hiring a credit protection attorney. 

This unverified, fraudulent account has since been sold to XXXX XXXX adding further stress and lost opportunities due to their credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I comprehend that under FCRA 605B, it's crucial to eliminate any incorrect accounts from my credit report. Would you mind examining the documents? I've observed that numerous of the listed accounts appear to be inaccurate, which is causing me concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I sent Barclays a {$100.00} USPS money order on XX/XX/XXXX. I mailed it with a payment stub from a billing statement to prevent the exact problem that has occurred. I sent the payment stub so Barclays would have my information in front of them with my payment for no error. 

But here we are. 7 months later the {$100.00} USPS money order payment from me to my Barclays account was never posted. It was cashed. 

There was a temporary credit at one point on the account. So I made more payments.

But I stopped paying on my Barclays account because Barclays ripped me off. Barclays failed to provide exceptional customer service. And frankly I see them as robbers. Because if someone stole {$100.00} from me, well thats what theyd be. And Barclays stole my {$100.00} payments. 

At this point I want my {$100.00} payment found. I want ALL charges incurred since XX/XX/XXXX refunded. I will pay my basic monthly payments due, and continue to pay off account. I want ALL derogatory remarks removed, and a remark of ownership of error on behalf of Barclays owning lost payment on my credit.

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 2024-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: U.S. BANCORP
State: WA

Complaint narrative:
XXXX  XXXX XXXX XXXX is marketing on XXXX group consisiting of XXXX realtors and loan officers this is unapproved social media run by a XXXX company. XXXX XXXX XXXX XXXX or US Bank, they both forbid that. XXXX  XXXX XXXX XXXX under name of XXXX XXXX XXXX XXXX XXXX XXXX US bank interest rate, this is illegal and misleading. I attach the print-screen.

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 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Personal checking Account was closed on XX/XX/XXXX because a company was making unauthorized deposits to this account and reporting them as income to me. Although bank was instructes not to re open account and to reject direct deposits, they reopened the account to receive the same ilegal payment that suppose to be rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: OK

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ) Representative, I am writing to formally dispute TransUnion 's reporting of an account that violates both my rights under the Fair Credit Reporting Act ( FCRA ) and state law in Oklahoma. 
TransUnion has reported an account from XXXX XXXX  XXXX, which is related to a purported debt to XXXX XXXX XXXX XXXX XXXX. This account was allegedly opened on XX/XX/XXXX. However, this debt falls under the Oklahoma statute of limitations on oral contracts, which is three years. As such, this debt should not be legally collectible nor reported. 
I have explicitly disputed this account with TransUnion, meeting the FCRA requirements for reporting accuracy. Despite this, TransUnion has not taken appropriate action to investigate and correct this erroneous reporting. This failure to comply with the FCRA and Oklahoma state law constitutes a violation of my consumer rights. 
I request that TransUnion promptly and indefinitely remove this account from my credit report. Failure to do so will result in escalation of this matter to the Oklahoma Attorney General 's office, as I have consulted legal counsel and have been advised of my rights in this matter. 
Please find the details of the account in question below : Creditor Name : XXXX XXXX XXXX XXXX XXXX Reported by : XXXX XXXX XXXX Account Status : Open Date Reported : XX/XX/XXXX Balance {$180.00} Highest Balance {$180.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) I appreciate your prompt attention to this matter and look forward to a resolution in accordance 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 non-monetary relief
Consumer complaint received 2024-04-09 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 was informed by a few companies that my account was denied due to information listed on Equifax, XXXX XXXX XXXX. Equifax, XXXX XXXX XXXX are Credit Agencies not a credit bureaus. A credit score is not certified information and should not be used to establish credit. Per 15 U.S.C. 1681 - Equifax, XXXX XXXX XXXX is not correct in what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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:
I was informed by a few companies that my account was denied due to information listed on XXXX, XXXX XXXX Experian. XXXX, Experian XXXX XXXX are Credit Agencies not a credit bureaus. A credit score is not certified information and should not be used to establish credit. Per 15 U.S.C. 1681 - XXXX, Experian XXXX XXXX is not correct in what they are doing.

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 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Synovus Bank
State: MD

Complaint narrative:
I filed bankruptcy on XXXX. 
XX/XX/2024 ... 0n Hearing Date & Time : XX/XX/2024, at XXXX XXXX I had a meeting with my XXXX XXXX in my XXXX  XXXX case and I none of my creditors contested but in getting bills collection notices

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The social security number was wrong! Iam so mentally tired! I cant get nothing they saying account frozen and its not! Iam trying to approve for a small loan my father past!

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 2024-04-09 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: NE

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
These companies ran my credit without permission and without my acknowledgment. I did not apply nor did I approve them to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: NE

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-04-09 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I comprehend that under FCRA 605B, it's crucial to eliminate any incorrect accounts from my credit report. Would you mind examining the documents? I've observed that numerous of the listed accounts appear to be inaccurate, which is causing me concern.

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