vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX - Requested on XX/XX/23 XXXXXXXX XXXX XXXX Requested on XX/XX/23 XXXX XXXX XXXXXXXX - Requested on XX/XX/23 XXXX Requested on XX/XX/XXXX XXXX XXXX Requested On XX/XX/23 XXXX XXXX XXXX  Requested on XX/XX/23 XXXX XXXX Requested On XX/XX/23 XXXX Bank requested on XX/XX/23 XXXX XXXX  Requested on XX/XX/23 XXXXXXXX XXXX  Requested on XX/XX/23

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 2023-10-29 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX - Requested on XX/XX/23 XXXX XXXX XXXX Requested on XX/XX/23 XXXX XXXX XXXX - Requested on XX/XX/23 XXXX Requested on XXXX XXXX XXXX Requested On XXXX XXXX XXXX XXXX Requested on XX/XX/2XXXX XXXX XXXX Requested On XXXX XXXX XXXXk requested on XX/XX/23 XXXX XXXX  Requested on XX/XX/23 XXXX XXXX  Requested on XX/XX/23

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
XXXX XXXX XXXXiXXXX XXXX XXXX XXXXXXXX said I have a charged off account with them but will not provide me with anything proving this is/was my account! I was a victim of identity theft and let them know this and yet they still managed to drop my credit score XXXX XXXX  over an account that is not mine! Ive been working so hard at getting My credit fixed after identity theft and still cant get them to prove to my that was/is my account, can you please help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX I sent a letter to Experian in reference to late payments that were reported to all three of my consumer reports. I requested that the late payment be removed from all of my consumer reports. The company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports. They refused to remove the late payments. They reported late payments for 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

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 2023-10-29 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: Glasser and Glasser, PLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX purchases old charge offs from financial services and then sues the individual for garnishment for the entire amount. In this complaint, I've attempted to negotiate. Instead they withdrew money from a joint savings account for the full amount. 

The funds were originally from the XXXX XXXX XXXX as my wife is a XXXX XXXX The funds were to be used for us to catch up with our mortgage as I am trying to find work. I've attended every court appearance for garnishing wages. I did not know that they went ahead through the court system to extract funds from our joint savings account.and was surprised by our bank that this transaction occurred. 

I was unaware that they use the XXXX of Virginia court system to garnish old debt as this debt was purchased from another debt collector. As this is a charge off from XXXX XXXX XXXXXXXX and off their books, I do question why they tend to use the name of the former institution as plaintiff instead of using the firm 's name as they acquired this debt. It seems disingenuous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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 demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX I have file a report and compliant with FTC and XXXX Police dept.

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 2023-10-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
The Date is XX/XX/XXXX? XXXX. Amount : {$750.00}.. I have deputed this information and I have not received the information which I am requesting. This leaves me with greater Concerns from XXXX at XXXX and your company is reporting on sharing my identity and information that is NOT correct which is reflecting on my credit Report with in-accurate information that is affecting my life which has hurt my ability to obtain credit. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by Federal Law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on the credit report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ).

FCRA also according to 15 US Code 1681 ( s ) 2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must removed the account ( XXXX ) from my credit profile.

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 2023-10-29 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: PA

Complaint narrative:
I filed a complaint with XXXX and CFPB after year of disputing the reporting of my credit acceptance account. 
This account reported as collections in XX/XX/2018, reported that way for 2 years at which point was reverted back to open a open and late status. TANKING MY CREDIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I spoke with XXXX at the US Department of Education because I tried to get approved to buy a house and the mortgage company said I had student loans. XXXX said that I have a student loan in default from when I attending a trade school in the XXXX XXXX I attended XXXX XXXX XXXX XXXX to try and get my XXXX  degree in XXXX. The school was investigated and found to be a non creditable school and was shut down. I was unable to complete my degree for this reason. 

When I applied for a mortgage loan, the student loan popped up on my credit report which I was unaware that it was still on my credit report. My understandings were that since the college was found un-creditable, my student loans would be taken care of since I could not complete my degree. To my surprise, XXXX told me that my loan was held with XXXX XXXX from XXXX to XXXX. On XX/XX/XXXX, the US Department of Education took over this loan because the XXXX XXXX went out of business. 

I have not been notified through mail or via phone of this loan with either federal loan companies. I was unaware I even still had a student loan debt, until I applied for a house. XXXX directed me to complete a complaint form to try and dispute this loan to be removed from default so I can purchase a home. 

I need to be directed on how I can get this loan removed from my credit report and how I can get this loan forgiven. I was under the impression that when the college was declared, un-creditable for a degree, that my student loans that I took out to receive a creditable degree, would be forgiven or bought back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello! I see on my credit report Collection under XXXX XXXXXXXX Emergency-Creditor XXXX XXXX XXXX I have never used XXXX XXXX in this hospital and they charged me {$1300.00} and they keep submitting report under my name but I have never used their services.I tried to contact them but they don't listen to me. 

Someone used my name please help me to remove all charges and stop their actions. 
I need to buy a house soon and I noticed these charges and I need to improve my credit score.Because of them I have problems now. Thank you in Advance! 

XXXX XXXXXXXX XXXX Opened date XX/XX/ and XX/XX/ Amount {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
This is the second time that XXXX has submitted false information to the credit reporting bureaus regarding this account. XXXX reported this account as a delinquent charge off in XX/XX/XXXX, but promptly corrected it after my complaint here. However, I received a credit alert on XX/XX/XXXX that XXXX is reporting my account as delinquent again. 

On XX/XX/XXXX, I contacted XXXX XXXX at XXXX to find out why my account is being reported as delinquent and to have it corrected. She didn't have any answers but said she would start an investigation, that was XXXX weeks ago. My XXXX XXXX has dropped XXXX points across the board. When I log into my XXXX account, it shows as current, and it should ; payments have been on autopay for the past couple of years. I even received the 10 day reminder email about the auto payment on XX/XX/XXXX. I have attached my payment history from XXXX 's website as well as the email for the auto payment on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The bank was contacted regarding my Paypal Mastercard ending in XXXX at the following number : XXXX on XX/XX/, resulting in an 25 minute phone call with overseas agents. The purpose of the call was an unrecognized transaction dated XX/XX/ for {$110.00}. After the lengthy phone call speaking with multiple overseas agents the following was supposed to have occurred : A provisional credit for the aforementioned {$110.00} and a new card number issued to be sent using a rush mailing status. On XX/XX/XXXX XXXX XXXX I personally reached the merchant for the mentioned charge, and they immediately issued a refund of {$110.00}. Upon checking the most recent account activity on XX/XX/XXXX XXXX  for the above card, no provisional credit was issued, the merchant refund is not appearing and the {$110.00} was charged a second time to the account on XX/XX/XXXX XXXX XXXX The payment on the account for {$600.00} dated XX/XX/3 has not been credited to the account, rather it was charged to the account as an adjustment on XX/XX/XXXX XXXX  for {$600.00}. Attached as proof is the following : payment on the account for {$600.00} dated XX/XX/XXXX XXXX XXXX proof of posting of the payment to the XXXXXXXX XXXX  account for {$600.00} posted XX/XX/, proof of the merchant issuing a {$110.00} credit on XX/XX/XXXX XXXX XXXX Paypal Mastercard account history as of XX/XX/.

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 monetary relief
Consumer complaint received 2023-10-29 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items 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 explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened an account with BMO. Paid all my bills early. They added payments only to certain months and then reported it 60 days late and when I sent a form and they admitted it was paid early, then reported it 30 days late. 

Please help us get this corrected.

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I contacted Equifax and XXXX by certified mail indicating that an old derogatory account with XXXX XXXX XXXX XXXX was not only inaccurate but also outdated. The accounts should have been removed as it exceeds the statue of limitations, and both are reporting inaccurately. 

On XXXX the account is listed as a chargeoff last active XXXX is a XXXX XXXX XXXX XXXX account XXXX 

On Equifax the account is reporting as derogatory with last date of activity as XX/XX/2017. This is a XXXX XXXX XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have been charged for 2 pay over time transactions 7 times instead of just the 6 I should have been. I am only looking at the monthly principal because I got credit for the monthly fees already. XXXX XXXX XXXX from XXXX through XXXX starting on XX/XX/23. XXXX XXXX from XXXX through XXXX starting on XX/XX/23. The last XXXX XXXX charge was only for XXXX. Looking for XXXX credit for interest charged on XXXX bill because I am not paying these charges. Total XXXX. I have understood by a few supervisors I spoke to, but then my claim was deniedXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-30 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 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 XXXX XXXX XXXX XXXX XXXX  I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-29 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:
I asked them to provide proof that they verified the account by providing me with a copy of the original contract with XXXX XXXX XXXX and that the information is not XXXX percent accurate. They only responded by saying that it was accurate, but the information did not match. They did not do a proper investigation and only used stall tactics. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without y written instruction.

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