vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: NY

Complaint narrative:
on XX/XX/year> there was a fraudulent credit card taking out using my personal information for the amount of {$1600.00} i have filed and ftc report and have contacted the police

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 2025-01-10 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: Early Warning Services, LLC
State: GA

Complaint narrative:
I can not open checking accounts, says that I am in the XXXX XXXX XXXX or XXXX XXXX I do not own multiple bank accounts, I have frozen my credit and yet I'm told I am in the XXXX XXXX or XXXX. I have asked for proof, and I even disputed this with the credit bureau 's ( XXXX, XXXX, etc ) and the information just remains as valid when it is not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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:
To Whom It May Concern, I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the NPDData breach, my personal information has been compromised, including 25 critical findings tied to my identity within the breach.These accounts and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed disputes with Experian concerning medical debts still being reported after the recent rule change. Instead of removing them from my credit report as they are now required to by CFPB rule, they claimed that the reports were " accurate '' and updated them.

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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
On XXXX XXXX XXXX I received an email from Apple that they were refunding me a lump sum of XXXX that I had paid over time for an apple care coverage of a phone I no longer had and XXXX had for over 2 years but was still charged monthly for. 
The email confirmed a refund had been sent to my Apple Card I have that is issued by Goldman Sachs Bank. The refund was issued on XX/XX/XXXX, yet the refund is still not showing on the card. I have called XXXX directly to confirm that the refund was indeed sent. They confirmed that the refund was not only sent, but was also accepted by Goldman Sachs bank and there is an ARN number as well for this transaction. That number is XXXX number XXXX. 
I have spoken to Goldman Sachs for hours and no one seems to know anything about this refund. I have provided them the number and they sound each time as if they are first time hearing of such a number. They keep transferring me to XXXX to get more information, but XXXX has nothing more to give me. That refund has been released and accepted by Goldman Sachs Bank and they are simply not putting it back into my account. Initially I was told the refund could take up to 30 days to show back on the statement but we are getting close to 2 months now. I am at my wits end because no one seems to want to take any accountability that XXXX has simply just disappeared. Please help, as this appears not to be the first time this bank has done in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My account with capital one was closed and I had to go thru a very stringent process to handle getting my money back. After weeks of going back and forth capital one finally informed me that a check for my funds was being sent to me overnight. It was around the holidays so when I did not receive it the next day I figured it was just delayed due to holidays. After a week and several attempts to obtain a tracking number I finally was told by capital one that the check had been delivered. After telling him I didnt receive it I was told to ask the office of my apartment complex if theyd received it, which I did, and they did not. About a week later I was contacted and told the check had been cashed and I had to file an affidavit to recover the check. I filed the affidavit as told. Once filed I was then told that because XXXX says they delivered it to me and the check was deposited at a XXXX XXXX I would have to wait to see if XXXX XXXX to see if they want to give me my money back, and if theyd received dont then Im basically just out of my money because capital one says they wont replace it. The problem is, I never received the check. I also never even received a tracking number to know if anything was ever sent in the first place. Further, I have no account whatsoever with XXXX XXXX. And now I have to rely on a bank I have no relationship with and no way to contact because I have no accounts with, to give me my money back because someone cashed it at their bank. This is outrageous. I would like the tracking number to begin with, I would also like to see the receipt of the package since it was sent signature required, I would like to know the account it was deposited in at XXXX XXXX since I have no XXXX XXXX account, in fact I live in Ohio and there are no XXXX  XXXX here. I am XXXX XXXX XXXX and cant even leave the house. For capital one to insinuate that I received and deposited this check at a XXXX XXXX is very puzzling to me. They can find out who cashed the check if it was cashed, and regardless of the matter capital one has closed my account and I have not received my funds. I would like to be provided this information since they are saying they cant send my check because of this. And when they can not I would like my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
Transunion said the account came back verified but the information was inaccurate.. Transunion keep reporting charge off accounts to my report and the payment history is inaccurate.. These are the accounts.. XXXXXXXX XXXX  XXXX : {$2700.00} XXXX. XXXX XXXX XXXX : {$370.00} XXXX. XXXX XXXX Amount : {$260.00} Under section 15 USC 1681 B all information should be reported accurate if not the CRA should delete or remove.. XXXX has already been sued for these items and they removed them as well .. All accounts thats been closed and charged off XXXX been charged off only XXXX time but you guys charged it off every month.. Which make those late payments inaccurate.. Also theirs certain dates on my credit reports thats inaccurate.. XXXX. XXXX XXXX reported I was late for 30 days on XXXX same months .. XX/XX/XXXX, XX/XX/XXXX shouldve been 60 days for that month and XX/XX/XXXX which shouldve been counted as 90 days.. XXXX. XXXX XXXX Reported I was late for 30 days for XXXX of the same months.. XX/XX/XXXX and XX/XX/XXXX which shouldve been 60 days late payment XXXX XXXX XXXX reported I was late for 120 days for XXXX of the same months.. XX/XX/XXXX and XX/XX/XXXX which suppose to been 150 days late..

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to dispute an item on my credit report that I believe to be inaccurate. The item inquestion is XXXX XXXX XXXX XXXXXXXX

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 2025-01-10 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: FL

Complaint narrative:
I am writing to dispute account on my credit report that were made without my sonsent. Accordin to section 604 of FAIR CREDIT REPORTING TO SECTION ACT ( 15 U.S.C 168 1 ( b ) ), there are speecific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE ACCOUNT XXXX XXXX account number 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 non-monetary relief
Consumer complaint received 2025-01-10 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United PanAm Financial Corp.
State: NJ

Complaint narrative:
I have made several attempts to obtain XXXX XXXX from United Auto Credit but was unsuccessful both on the phone and in writing. 


Cancellation of XXXX XXXX XXXX is to be used only for cancellations of debts for which the debtor actually incurred the underlying debt. XXXX XXXX XXXX, XXXX of XXXX, for each. debtor for whom you canceled a debt owed to you of {$600.00}. 

Instructions for Forms XXXX and XXXX - IRS IRS XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/year>, my car was broken into and my wallet was stolen. I discovered this approximately an hour after the crime and a police report was filed immediately and Wells Fargo was contacted about XXXX stolen debit cards. At this time, I saw in my account that the thieves had tried to purchase gift cards at a XXXX XXXX XXXX minutes away ( approximately at the time I was meeting with the police ). They made XXXX attempts to purchase XXXX {$500.00} gift cards and XXXX {$250.00} gift card. Wells Fargo denied XXXX of the {$500.00} attempts and the {$250.00} attempt -- but they authorized the other {$500.00} attempt. I was told by Wells Fargo that this would be rectified but on XX/XX/XXXX, I received a letter from the bank informing me that I had not submitted information that they requested ( they did not request any other info - nor could they tell me what they were missing ), that they would not be reimbursing me for the {$500.00} purchase and the case was closed. I've since met with or talked to XXXX Wells Fargo representatives who refuse to explain how XXXX purchase attempts could be denied but XXXX authorized by them -- at the same store at the same time. They simply maintain that the {$500.00} purchase was authorized and a processing error did not occur. Of course, this is ludicrous. Attached is a copy of the police report and the letter from Wells Fargo. Many thanks for your intervention on my behalf.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-01-10 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: AL

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
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 non-monetary relief
Consumer complaint received 2025-01-10 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: AL

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: GA

Complaint narrative:
I am writing to express my concern regarding the excessive interest charges on my XXXX loan. Upon reviewing my payment history and loan agreement, I noticed that I have paid more than XXXX times the original loan ( $ XXXX ) amount in interest alone ( $ XXXX ). This situation feels unreasonable and financially burdensome. While I understand the terms of the loan were agreed upon initially, the extent of the interest far exceeds what I believe to be fair or competitive compared to other lending options. It is disheartening to see that such terms heavily penalize borrowers and make it exceedingly difficult to pay off the principal amount. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation