vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 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: VA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-04 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: DISCOVER BANK
State: VA

Complaint narrative:
On XX/XX/2024 I opened Discover Card credit dispute ( Dispute # XXXX ) for {$4100.00} for a custom piece of furniture product I did not receive from XXXX XXXX XXXX XXXX. I subsequently closed this Dispute with Discover Card when the owner of XXXX XXXX XXXX XXXX agreed to finish the custom furniture by end of XXXX XX/XX/2024 via writing in email to me. 

Subsequently, the owner of XXXX XXXX XXXX XXXXXXXX began to ignore a majority of my communications once again and did not deliver the custom furniture by end of XXXX XX/XX/2024 as promised. It is now XX/XX/2024 and XXXX XXXX XXXX  XXXX still did not deliver and will not respond to me. 

I attempted to reopen the Dispute # XXXX with Discover Card and they denied me the reopening indicating that XXXX XXXX XXXX XXXX had to agree to the refund. This makes no sense, because XXXX XXXX XXXX XXXXXXXX will not deliver the product nor reply to my messages. I let Discover Card know that it is not possible for me to get that agreement from XXXX XXXX XXXX XXXXXXXX since they will not respond ; this is the purpose of having a credit card Dispute process. However, Discover Card will no longer help even though I sent them additional documentation showing XXXX XXXX XXXX XXXX will not respond to my emails and I sent Discover Card the email from the owner of XXXX XXXX XXXX XXXX stating they would delivery by XXXX XX/XX/2024. 

Therefore, I am stuck with the {$4100.00} bill on my Discover Card for an item I did not receive nor ever receive and Discover Card will no longer help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TRANSUNION credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists all are listed XXXX XXXX account # XXXX, XXXX  account # XXXX according to I 15 USC 1692c you have violated my rights by unlawful communications please removed these closed accounts off my Consumer credit report thank you These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 CREDIT COLLECTION has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> I got an email from a Chase backed credit card company stating it needed additional information to approve my credit card application. This happened to be the third time this year. I called Chase just like the last two times. Told them it was not me trying to open the credit card and they assured me that it would be removed from and credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
After a failed attempt to transfer {$500.00} from my online savings account with Marcus Goldman Sachs to my personal checking account, I was advised to call their support team. On XX/XX/2024, I contacted Marcus Goldman Sachs and encountered difficulties with account authentication. I answered the first verification question but needed clarification on the second question, which asked, " What are the names of the tolls near your home? '' Since the tolls near my residence do not have names, I was unable to understand the question. 

The operator was unable to provide clarification and instructed me not to guess. As I was at work, I requested to call back later. Upon my return call, I discovered that my account had been placed on hold. 

I was informed that I would need to receive a verification form by mail, which would take XXXX business days. I expressed my concern about the length of this process given the misunderstanding regarding the verification question. The operator assured me that a manager would follow up with me, but I never received a call. 

As of XX/XX/2024, after speaking with XXXX operators and XXXX supervisors, I was told that my account could not be verified with the phone number or drivers license I have on file because I am currently in Florida. With over {$6000.00} in my Marcus Goldman Sachs account, I am facing a significant financial crisis due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I sent letters off to XXXX XXXX And XXXX in regards to A alleged Late payments on my capital one account.I have not received a Reasonable or proper response and it has been more that 30 days.15 USC 1681 a speaks on accuracy of a consumer report15 USC 1681eb speaks on consumer reporting agencies furnishing accurate information on a consumer report.Accuracy means all values.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. It would be more than fair to remove and delete said item off my account ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX : XXXX Account 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 2024-09-04 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: VA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The late payments shown do not reflect my typical payment behavior.

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 2024-09-04 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-09-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I am attempting to get a corrected statement from Pioneer Recovery collection agency in regards to a judgement of restitution by XXXX XXXXXXXX XXXX XXXX One of the debts included in their total is filed as a debt three times, which I have brought to their attention. Their original letter sent for collection of debt shows a total balance of {$18000.00}. I also wanted to have a details on which debts monies collected were applied to The company has sent " proof '' of the correct amount, which I received in XXXX, and totals {$9300.00}. I subsequently sent a request for a corrected statement showing the correct balance of {$9300.00}. 

Dated XX/XX/2024, I received a new statement, indicating the current balance is {$17000.00}. 

I am attempting to pay this debt off, but can not get any assistance from this company, Pioneer Recovery. I have all correspondence and documentation to support my attempts to get this in order, including all certified mail receipts. I will be happy to provide all communication.

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 2024-09-04 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: CA

Complaint narrative:
Account was charged off XXXX XXXX XXXX and I was advised by the company after 7 years the account will be dropped from my credit report on all 3 bureaus. As of XX/XX/XXXX this is still sitting on my credit report. I have filled multiple disputes with the company except harassing calls and them updating my balance every 3 months to keep this on my report. I informed them the account is a charge off and has been for over 7 years and would like this removed immediately from my credit they have yet to do so. I am requesting that this old account be removed from my credit due to it is causing issues with my husband and I buying a house. They call numerous times a day still wanting me to pay for a old charge off that during a extremely rough economy I can not just give the amount they are requesting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account was charged off XXXX XXXX XXXX and I was advised by the company after 7 years the account will be dropped from my credit report on all 3 bureaus. As of XX/XX/XXXX this is still sitting on my credit report. I have filled multiple disputes with the company except harassing calls and them updating my balance every 3 months to keep this on my report. I informed them the account is a charge off and has been for over 7 years and would like this removed immediately from my credit they have yet to do so. I am requesting that this old account be removed from my credit due to it is causing issues with my husband and I buying a house. They call numerous times a day still wanting me to pay for a old charge off that during a extremely rough economy I can not just give the amount they are requesting

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 2024-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear sir or madam, {$1600.00} was taken out of my account at the chase location located at XXXX XXXX, XXXX, NY XXXX Employees are refusing to provide ATM video evidence from their location or reimburse me for the fraudulent transaction that happened on XX/XX/year> an XX/XX/year>. 
I will provide the police report upon request.

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

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My mother XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX, SS # XXXX ) hereinafter XXXX. is alive and living in the XXXXXXXX XXXX vicinity On XXXX XXXX XXXXXXXX did sell to me, XXXX XXXX XXXX, hereinafter XXXX, son of XXXX, the property at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, hereinafter : home The sale documentation was done by XXXX  XXXX XXXX and witnessed at his office in XXXX on XXXX XXXX, both XXXX and XXXX present XXXX was living with her Brother XXXX at his home in XXXXXXXX XXXX through the entire period of this memo, he has since passed. 

On XXXXXXXX XXXX my mother did originate a new loans from PNC while XXXXXXXX XXXX at a PNC location in that vicinity. 

Deed was registered in XXXX XXXX Clerk of deed on XXXX XXXX  At XXXX XXXX with both physical and XXXX XXXX issues identified and growing in severity over past 3-4 years was relocated from XXXX XXXX XXXX XXXX XXXX by my sister XXXX XXXX within the last year, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not know about this loan and now PNC is foreclosing on the illegal loan my mother took out 6 months after she sold the house to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
These late payments are inconsistent with my usual payment record.

Company response to consumer: Closed with non-monetary relief