vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-14 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:
Upon reviewing my credit report I noticed incorrect information. I am writing to delete the following items from my credit report as they are fraudulent and a result of identity theft. The items listed below were not initiated by me at any given point and are NOT MINE so please delete the following items off of my credit report, as I am providing you with my identity theft report which is an official statement of the crime. I am also providing you with my social security card and proof of Drivers Licenses for your verification purposes. I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that this fraudulent information must be removed from my credit report after providing the necessary information that is required along with this letter. I would like to remind you of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX Equifax Information Services LLC XXXX XXXX ) These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collector 's word. THIS REQUEST IS TIME SENSITIVE, TIME CRUCIAL AND TIME CRITICAL THAT these items be removed off my credit report effective immediately as the items listed below are inaccurate and it is illegal to report inaccuracies to a consumer credit report. Please be sure to send me the results of this request. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I have been using XXXX with bank of America and I never received any warnings when sending money to someone. I think this was very unsafe

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 2025-01-14 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: AL

Complaint narrative:
I recently reviewed a copy of my Transunion consumer report that listed a balance with XXXX with all my student loans Account # XXXX. This information is not correct because this debt has been officially canceled per IRS acceptance. See Attached. All of these account ( s ) should reflect as paid in full

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX Dear Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to delete personal information. 

I am writing to formally request the deletion of a few personal data that is incorrect, please remove the following wrong address and wrong name associated with my account. 

Wrong address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong name : XXXX XXXX XXXX Thank you for your prompt attention to this matter.

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 2025-01-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
My XX/XX/XXXX. was direct deposited to Pay Pal debit cash money card to there Company.I used it 1 time and XXXX XXXX locked my card.The card was put on Limitations on XXXX XXXX. I tried numerous times to resolve my issue to only have my Account closed on XX/XX/year>. I've exhausted My attempts trying to resolve the issue. The amount thar was deposited was XXXX from The Ohio XXXX. My address at the time was XXXX XXXX XXXX, OH, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX, Texas XXXX Subject : Formal Dispute Regarding Inaccurate Reporting of Goldman Sachs Account Dear Goldman Sachs and co , I am writing to formally dispute the accuracy of the information being reported on my credit report regarding a closed Goldman Sachs account XXXX This dispute is made under my rights as afforded by the Fair Credit Reporting Act ( FCRA ), specifically Sections 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

Details of the Dispute Account Name : Goldman Sachs and co Account NumberXXXX Nature of Inaccuracy : [ State the specific inaccuracies here, e.g., " This account is being reported as delinquent, but it has been closed with a zero balance, '' or " The dates of delinquency are inconsistent with my records. '' ] Legal Basis for Dispute Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to adopt reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. The reporting of the Goldman Sachs account violates this provision due to the inaccuracies stated above. 

Additionally, under 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), when an investigation reveals that disputed information is incomplete or inaccurate, the credit bureau must promptly delete or correct the information. Based on this statute, I am requesting the immediate correction or removal of this account from my credit report. 

Request for Action Conduct a thorough investigation into the reporting of this account.

Provide written confirmation of the results of the investigation. 

Delete or correct the inaccurate information as required by law. 

Send me an updated copy of my credit report reflecting these changes. 

Notice of Intent for Monetary Damages Please be advised that if this matter is not resolved promptly and the inaccuracies are not corrected or removed, I reserve the right to pursue monetary damages as permitted under the FCRA. This includes actual, statutory, and punitive damages, as well as any applicable attorney fees. 

Supporting Documentation I have enclosed copies of relevant documents to support my dispute, including : [ List any supporting documents, e.g., account statements, correspondence, or screenshots. ] Please consider this letter as a formal request for compliance with your obligations under the FCRA. I expect a response within the time frame specified by law ( 30 days from receipt of this dispute ). 

Thank you for your prompt attention to this matter. I look forward to your resolution of this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Call placed on XX/XX/year> to initiate a dispute for fraudulent activity on savings account. Never received a call, email, letter on suspected fraudulent activity. When dispute was initiated on XX/XX/year> I was advised that they would conduct an investigation and funds will be returned within 10 business days. To date, the funds have not been returned. I was told they are not going to return funds and can take up to 45 business days. My money is insured I have complied with all required information and I am being told I will not receive any monies back at this time due to pending investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: Radius Global Solutions LLC
State: NC

Complaint narrative:
A debt Validation letter was sent requesting Validation of the debt, including the original contract with original creditor with my signature on it, age of the debt, an itemized statement of what is owed, name and address of original creditor, proof of debt assignment and evidence that I am legally responsible for the debt. I never received anything proving validation from the company. I also disputed with the credit bureaus and there was not a complete investigation done.

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 2025-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Volvo Car Financial Services U.S., LLC
State: NV

Complaint narrative:
I was in the Care by XXXX program for my XXXX XXXX XXXX. This is a subscription-like program for leasing vehicles that wraps your payment, vehicle servicing and insurance into one monthly payment through Volvo Car Financial Services . After making 5 payments, you can return the keys and vehicle to the dealership at any time. 
I had the vehicle for about a year and decided to trade it in for a new lease. The dealership sales manager at XXXX XXXX in XXXX, AZ advised that I did not need to make my payment the month i was returning my vehicle. I just needed to return the vehicle, put new money down for the new lease and I would be good to go. ( I have this in writing from the dealership ). 
XXXX XXXX XXXX Volvo Car Financial Services ) notified me I had an outstanding balance for the payment and I spent so many efforts trying to get this resolved but because they didn't receive money I did not know I owed and the dealership had told me I did not owe, within 120 days, they charged off the account so now I have a vehicle charge off on my credit that has made it impossible to get a personal loan, credit card, etc. to attempt to help me with my debt due to being unemployed for a major part of XXXX. 
The lender wrongly informed me and neither the dealership or corporate is willing to help rectify the situation for solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
XX/XX/year> Shellpoint Mortgage sent a certified letter from my stating I was in foreclose and I had 30 days to respond and in 90 days I would lose my home I have owned this home for 20 years with no late payments. I was in shock and really upset. The certified letter was from the correct lender on my statements everything matches. I called my lender and asked what they are talking about. She told me Mitigation department has been sending these out just in case I need some help making payments ect. Appears they are trying to push people into refinancing. Missed NO payments this is horrible experience.

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 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I asked them to submit me the investigation for the bankruptcy and confirm from original creditor and they still haven't provide the information on the bankruptcy that was discharged from : Name : US XXXX XX/XX/XXXXXXXX Docket # : XXXX Discharged XX/XX/year> Section 611 of the FCRA ( 15 U.S.C. 1681i ), which outlines the process for disputing the accuracy of information. Results of the Reinvestigation : The CRA must provide you with the results of their investigation in writing. If the investigation confirms the accuracy of the information, they must include a summary of the investigation. Access to the Report : If you request it, the CRA must provide you with details about the investigation, including the contact information of the original creditor or data furnisher who verified the disputed information. Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) : This section outlines the responsibilities of information furnishers ( including original creditors ) : Subsection ( b ) : If a furnisher receives notice of a dispute from a CRA, they are required to : Investigate the dispute. Review all relevant information provided by the CRA. Report the results of the investigation back to the CRA. Correct or delete inaccurate or unverified 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 2025-01-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DISPUTE FILEDXX/XX/XXXXXXXX DISPUTE WASNT INVESTIGATED DISPUTE FILEDXX/XX/XXXXXXXX XXXX WASNT INVESTIGATED XXXX DISPUTE FILEDXX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX WASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/year> XXXX XXXX WASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/year> XXXXXX/XX/XXXX WASNT INVESTGATED XXXX DISPUTE FILED XX/XX/year> XXXX XX/XX/XXXXWASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/year> XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX WASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/year> XX/XX/XXXXWASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/year> XX/XX/XXXX WASNT INVESTIGATED

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 2025-01-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FL XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> XXXX Department Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Late Payment Entry on My Credit Report Dear Equifax Dispute Department : I am writing to formally dispute a late payment entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including late payment entries, must be removed from a consumers credit report after a specific period of time.

The late payment in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report.

Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Late payments and other delinquencies must be removed after 7 years from the date of the original delinquency. 
Other adverse information, such as collections or charge-offs, must also be removed after 7 years. 
The presence of this late payment on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681c ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Late payments and other delinquencies must be removed from the credit report after 7 years from the date of the original delinquency. 
Bankruptcy cases underXX/XX/XXXXXXXX must be removed after 10 years from the date of filing. 
XX/XX/XXXXXXXX bankruptcies must be removed after 7 years from the date of discharge. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, FL XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Late Payment Entry on My Credit Report Dear Equifax Dispute Department : I am writing to formally dispute a late payment entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including late payment entries, must be removed from a consumers credit report after a specific period of time.

The late payment in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report.

Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Late payments and other delinquencies must be removed after 7 years from the date of the original delinquency. 
Other adverse information, such as collections or charge-offs, must also be removed after 7 years. 
The presence of this late payment on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681c ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Late payments and other delinquencies must be removed from the credit report after 7 years from the date of the original delinquency. 
Bankruptcy cases under XX/XX/XXXXXXXX must be removed after 10 years from the date of filing. 
XX/XX/XXXXbankruptcies must be removed after 7 years from the date of discharge. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
I was told by TransUnion that everything was verified when i know for a fact that the accounts that were disputed were not accurately reporting or in completeness and according to the FCRA the credit agencies and the furnishers are suppose to report the information accurately and in completeness. XXXX XXXX AND XXXX XXXX XX/XX/XXXXI don't recognize and XX/XX/XXXXl XXXX is reporting the payments and balances are reporting different on each credit agency.

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 2025-01-14 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: CO

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief