vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax had a breach and as a result had a lawsuit that I was a class action member of the suit. Equifax settlment administrator is claiming that my check was mailed on XX/XX/XXXX and that it has been cashed. I have tried repeatedly to inform the settlement XXXX that I did not get my check, It is impossible because I was in the XXXX XXXX XXXX  on XX/XX/XXXX and was not released until XX/XX/XXXX so I did not get my check nor did I cash it because I was in jail. I have asked for months after months emails after emails for another check to be reissued and they have 'parrotted ' the same lies that I got the check and was paid, which again is IMPOSSIBLE to be true. This is about identity theft so is it possible someone else got my check? I am due and owed this money and never got the settlement offerings which were {$7500.00}, identity theft monitoring products and comopensation for time spent. I am asking for 1 ) a re-issue 2 ) verfication of whatever check was cashed and by whom and when and the amount. more information. I am rightfully owed payment and the 'settlement ' email is doing nothing but spitting out lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: IL

Complaint narrative:
XXXX is reporting inaccurate information regarding a XXXX XXXX account that has been charged off, yet has a past due balance. That is in violation having a past due balance on a charge off account. 
Also that account is not mine they are not complying with showing me how this account was even opened.this is unfair for me as a consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
National Credit Adjusters calls me at least 2-4 times per week from several different numbers. I have request the original documents by mail for the debt reported on my credit for Cash Net ; the company has sent me information for a totally different company and amount ( XXXX XXXX ) {$730.00}. National Credit Adjusters are reporting this as a new debt. This debt is over 5 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: SECURITY FINANCE CORP
State: VA

Complaint narrative:
As per XXXX finance and XXXX XXXX : 15 US Code 6802 states my consent is needed for a financial institution to disclose non public information to a 3rd party. I never gave permission or received information on how to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Ok enough is enough I know the cfpb is just a reporting agency but still mcm is a third party I don't have a contract with them never had they are in violation huge violation and I'm about to go to the FTC and get them up on every violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: IL

Complaint narrative:
XXXX is not following customer laws there are two accounts that are not mine XXXX  XXXX and discover both are charge off account but yet have a past due balance. That's wrong there should be no account balance for a charge off and I have paid off XXXX XXXX  when I noticed in on my credit file yet I never opened it this is unfair

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC
State: NJ

Complaint narrative:
Told I owed {$1600.00}. I have no note of such loan. No date of when loan was taken on notice sent. I need a written validation notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. This list of accounts has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Accounts name # XXXX XXXX XXXX ( transunion ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Accounts name # XXXX *** XXXX XXXX XXXX XXXX XXXX ( transunion XXXX XXXX XXXX XXXX  XXXX Accounts name # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) Accounts name # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) Accounts name # XXXX XXXX ( XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX Accounts name # XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX 1681 section 602 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
1681 section 604 ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

1681 section 623 ( A ) Reporting information with actual knowledge of errors. 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 2024-04-13 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:
In accordance with the Fair Credit Reporting act. This list of accounts has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Accounts name # XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts name # XXXX *** XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX Accounts name # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Experian ) Accounts name # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Experian ) Accounts name # XXXX XXXX ( XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX Accounts name # XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX 1681 section 602 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

1681 section 604 ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

1681 section 623 ( A ) Reporting information with actual knowledge of errors. 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 explanation
Consumer complaint received 2024-04-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
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 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
theres several delinquent accounts as well as incorrect information on my credit report that should be removed due to the F.C.R.A THESE SHOULD BE REMOVED AS WELL AS THE PERSONAL INFORMATION UPDATED to ONE NAME, ADDRESS AND SOCIAL SECURITY NUMBER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: TX

Complaint narrative:
I recently received a copy of my credit report and was shocked to discover that I have been a victim of identity theft. There were numerous accounts on my credit report that I did not open, which has been causing problems for me as I am in the process of buying a vehicle for myself and my daughter. Could you please remove the fraudulent accounts from my credit report as soon as possible?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: NY

Complaint narrative:
Hello, When I purchased a bicycle on XX/XX/23 for {$1600.00}, a key element of that purchase was the promise of several services, including a warranty for defective parts. My bicycle broke not long after purchase, namely in the breakdown of button functionality. Ordinarily, one button honks a horn, and the other acts to unlock the bicycle. 

I brought my bike to that point of sale and simply found it had disappeared. I called the company and was never able to reach anyone, or ever heard back from them. They effectively stole my money, which I believe is the primary purpose of being able to file a chargeback. 

I filed a chargeback with my credit card company that I used to make the purchase, ( Goldman Sachs ) and they collected evidence, only to belatedly deny my claim for not providing evidence. When I contacted Goldman Sachs regarding this denial, the representative seemed surprised, and helped me refile my dispute. This was the beginning of several identical denials, I believe all in bad-faith, as Goldman Sachs would repeatedly give me the same boilerplate denial for providing no evidence. 

Each time, I included evidence of this promise of warranty taken from the companys website. I have attached a video demonstrating pressing the buttons accomplishing nothing. I attached proof of the point of sale being shut down. 

I have attached warranty evidence below. This is the warranty that is currently still promised. When I purchased my bicycle, I was told the warranty was three years. Regardless, it had been under a year at the time I submitted this dispute. Note that it is required for a warranty that I bring my bicycle into the point of sale, which as I have mentioned earlier no longer exists, in the entire state. Attempts to call the old location or the company for warranty service have been met with silence. 

I will also provide screenshots of my conversations with Goldman Sachs as well as emails denying my claim. Before my last denial, I informed Goldman Sachs I would file a complaint with this agency if they denied my claim again with the same boilerplate. I have reopened my complaint, but expect them to deny it again, hence my concurrent submission here. 

Thank you deeply for your time and consideration of my issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-13 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: TX

Complaint narrative:
accounts and inquiries as well as incorrect personal information on my credit report that should be removed according to the F.C.R.A

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: NC

Complaint narrative:
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. 


Account Name : DPT EDXXXX Account Number : XXXX and list of Inquiries. 

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: NY

Complaint narrative:
On or about XX/XX/XXXX and XX/XX/XXXX, I submitted a complaint to the CFPB regarding inaccurate information on my credit report created by XXXX, Equifax, and XXXX regarding the following debt collection accounts which were being inaccurately and innocuously reported : 1 ) XXXX XXXX XXXX XXXX {$4400.00} 2 ) XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} 3 ) XXXX XXXX XXXX XXXX XXXX {$320.00} To date, Equifax, XXXX XXXX and XXXX continue to recklessly and negligently violate my federally protected rights by refusing to remove and delete these accounts from my credit report AND credit file. Pursuant to 15 USC 1692c, which states that " if a clearly consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease ALL communication ''. Ceasing ALL COMMUNICATION includes communication with any 3rd parties of which XXXX, Equifax, and XXXX are 3rd parties. Also reporting to the credit reporting agencies is communication. Thus, continuing to report these debt collection accounts are a violation of my federally protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: NY

Complaint narrative:
On or about XX/XX/XXXX and XX/XX/XXXX, I submitted a complaint to the CFPB regarding inaccurate information on my credit report created by XXXX, XXXX, and Experian regarding the following debt collection accounts which were being inaccurately and innocuously reported : 1 ) XXXX XXXX XXXX XXXX  {$4400.00} 2 ) XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} 3 ) XXXX XXXX XXXX XXXX XXXX {$320.00} To date, XXXX, XXXX XXXX and Experian continue to recklessly and negligently violate my federally protected rights by refusing to remove and delete these accounts from my credit report AND credit file. Pursuant to 15 USC 1692c, which states that " if a clearly consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease ALL communication ''. Ceasing ALL COMMUNICATION includes communication with any 3rd parties of which XXXX, XXXX, and Experian are 3rd parties. Also reporting to the credit reporting agencies is communication. Thus, continuing to report these debt collection accounts are a violation of my federally protected rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: TX

Complaint narrative:
I have disputed an account by the name of " XXXX XXXX  '' that does not belong to me with TransUnion. TransUnion has continued to mark this account as verified without providing me with the proper verification of this debt. Which I have continue to asked for verification! they claim this debt is owed by me but is unable to show me proof! This account is showing up on my credit report as an open account but if it is an open account then why is it in collections with a past due balance of {$230.00}. This has lead me to believe TransUnion has completed an improper and unfair investigation which violates the FCRA. This account in reporting to my credit report fraudulently by TransUnion. This account is affecting my day to day life negatively and it needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is the only bureau that hasnt updated my XXXX XXXX charge off settlement. It still appears as if I owe {$180.00} and has not been updated to {$0.00} balance and paid in full for less then full amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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:
I recently received a copy of my credit report and was shocked to discover that I have been a victim of identity theft. There were numerous accounts on my credit report that I did not open, which has been causing problems for me as I am in the process of buying a vehicle for myself and my daughter. Could you please remove the fraudulent accounts from my credit report as soon as possible?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: TX

Complaint narrative:
I recently received a copy of my credit report and was shocked to discover that I have been a victim of identity theft. There were numerous accounts on my credit report that I did not open, which has been causing problems for me as I am in the process of buying a vehicle for myself and my daughter. Could you please remove the fraudulent accounts from my credit report as soon as possible?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to dispute the presence of the hard inquiry on my credit report as listed below. The inquiry was made without my knowledge or consent, and I request their immediate removal from my credit file. Inquiry Details : 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 2024-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
I was informed this company has added extra fees to my policy without my knowledge. 
My account is currently stating I owe the full amount taking out on the loan, when I made several payments on the account already. I was unable to continue with payments and now it it is collections for full loan amount. I went through hardship they dropped my credit score, making me ineligible for any lines of credit to continue to pay bills. 
Years XXXX {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation
State: CA

Complaint narrative:
XX/XX/XXXX for XXXX I was charged the wrong amount and my bank never gave my money back

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation