vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
XX/XX/2023, I received a notification on my phone from Apple Credit Card issued by Goldman Sachs Bank Bank USA that my credit card account was locked and that I would need to contact support to unlock it. I contacted support and was told to contact them again during regular business hours. 

XX/XX/2023, I contacted Apple Credit Card ( Goldman Sachs Bank Bank USA ) and after verifying my information, made a one-time phone call to the number on my account, providing me with a number to call back to remove the lock on my account. I called the number to remove the lock, and while on hold, I received another notification on my phone, this time related to my Apple Savings Account issued by Goldman Sachs Bank Bank USA. My savings account had now been locked. This lock meant I could not access any of my own money in my savings account, I could not withdraw this money or transfer it back to the linked checking account. 

When I reached Apple Card Support, I was notified that my savings account was locked due to my Apple Credit Card being locked. I was told that I could not access my Apple Savings Account or my Apple Credit Card until a " review '' had been completed on my account.

I asked for a timeframe of how long such a review would take, seeing as I had all of my money in this savings account and needed to access this money to pay bills, etc... I was told there is no timeframe for the review. I asked if they could transfer the balance of my savings account to the checking account of another financial institution already linked to the Apple Savings Account, and they told me there was nothing they could do on the account until the Apple Credit Card review was complete.

I was given instructions that, first, the Apple Credit Card review would be conducted. When that was completed, and access was restored to my credit card account, only then could I contact Apple Savings Account support to get the lock removed from my savings account. 

I asked to speak to a supervisor and was told the supervisor was not available until Monday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 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: CA

Complaint narrative:
I am a victim of identity theft. I have reached out to transunion all year round about this fraud on my credit. I have a fraud alert attached to my name and they are aware of this. XXXX have information about this all and failed to protect my identity. They told me to send all my personal information through the mail. That includes social, California id etc. Thats like giving someone your whole identity. I asked what is another way that i can send this type of information and they didnt help. My identity is being used nation wide and ther credit bureaus are not helping. I am not protected and brought every protection you can think of. They is one reason my identity have been tooling because they never tried to help and wanted me to send my whole life through mail. This is not okay. I cant open up bank accounts my credit is at a stand steal because of all this. I need help from anything PLEASE. Nobody is listening and this is why! I have police reports. Inquires need to be removed as well as anything else that was no by me. I need ALL credit bureaus to fix this problem.

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 2023-10-14 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: CA

Complaint narrative:
I am a victim of identity theft. I have reached out to transunion all year round about this fraud on my credit. I have a fraud alert attached to my name and they are aware of this. XXXX have information about this all and failed to protect my identity. They told me to send all my personal information through the mail. That includes social, California id etc. Thats like giving someone your whole identity. I asked what is another way that i can send this type of information and they didnt help. My identity is being used nation wide and ther credit bureaus are not helping. I am not protected and brought every protection you can think of. They is one reason my identity have been tooling because they never tried to help and wanted me to send my whole life through mail. This is not okay. I cant open up bank accounts my credit is at a stand steal because of all this. I need help from anything PLEASE. Nobody is listening and this is why! I have police reports. Inquires need to be removed as well as anything else that was no by me. I need ALL credit bureaus to fix this problem.

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 2023-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern ; I recently reviewed my consumer report and observed that 2 late payments are incorrectly reporting on Consumer Reports. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information with Maximum Accuracy. I have never been late on my account by XXXX with account # XXXX. Attached document will show multiple inaccuracies. Please remove the late payments and update with paid on time as I was never late. 

Thank you for your kind consideration. 
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 2023-10-14 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: IL

Complaint narrative:
I'm to inform you of these rights... In accordance with the Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account number : 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. These accounts has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It Also states a consumer reporting agency can not furnish an 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 ) (! ) 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. 
. 
These inaccuracies are hindering me from obtaining new credit cards and the purchasing of my business vehicle to sustain work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm to inform you of these rights... In accordance with the Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account number 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. These accounts has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It Also states a consumer reporting agency can not furnish an 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 ) (! ) 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. 
. 
These inaccuracies are hindering me from obtaining new credit cards and the purchasing of my business vehicle to sustain work.

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
This communication is in reference to my LexisNexis Consumer Disclosure Report dated XX/XX/2023, Consumer Number XXXX, Case Number XXXX. 

The items in dispute are the inaccurate Phone Records that LexisNexis is reporting on my LexisNexis Consumer Disclosure Report. 

This is my seventh notice to LexisNexis regarding the inaccurate Phone Records that is being reported on my LexisNexis Consumer Disclosure Report. This information is inaccurate because I have NEVER had the phone number that LexisNexis is reporting and I have NEVER been associated with the phone number that LexisNexis is reporting. Additionally, LexisNexis has previously reinvestigated these incorrect phone numbers and determined them to be UNVERIFIABLE. 

Since the incorrect phone numbers have been previously reinvestigated by LexisNexis and were determined to be UNVERIFIABLE, there is no need to initiate a reinvestigation. Based upon LexisNexis ' previous reinvestigation, I kindly request that this incorrect phone number be promptly and permanently removed from my LexisNexis Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 to 45 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Car Credit Finance, LLC
State: DC

Complaint narrative:
I am a victim of identity theft I do not know and never have known about this account please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: Avant Holding Company, Inc.
State: MN

Complaint narrative:
Here is the email I have sent to Avant resolutions department XX/XX/XXXX Fraud charge put onto my account XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX had auto withdrawl of {$25.00} XX/XX/XXXX had auto withdrawl of {$25.00} XX/XX/XXXX had auto withdrawl of {$25.00} + Annual fee {$29.00} So my XXXX Statement would have been the {$4.00} + XXXX + interest In XX/XX/XXXX I make the claim of the fraud charge XXXX statement the fraud change was removed, so my balance was a negative<credit> {$43.00} XXXX Statement still have a credit balance of {$43.00} XXXX Statement - AVANT PUTS THE FRAUD charge back onto my account of XXXX and claims that it is a separate charge because it is on a separate day. EXACT same vendor and EXACT same amount of {$79.00}. Also you see that when I made claim back in XXXX, Avant cancelled my original credit card number and issued me a new credit card. 

AVANT NEEDS TO TELL ME WHY THEY BELIEVE THIS CHARGE IS A DIFFERNET TRANSACTION and NOT BECAUSE IT IS ON SEPARARTE DAY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! AVANT PUT THE CHARGE ONTO MY ACCOUNT XXXX through XXXX I'm being changed late fees and my credit score has gone done from XXXX to low XXXX because of these late fees. 


Current statement, on XX/XX/XXXX Avant finally accepts my claim of the fraud charge and the XXXX along with the latest late fee has been removed, but I still owe late fees from XXXX - XXXX. 

Email from XXXX dept on XX/XX/XXXX Hello, I did get this over to my direct superior with Avant, this claim has been accepted with information you just provided and you will see the credit within the next XXXX as it does not reflect right away. I do know you mentioned this impacting your credit, you will want to reach out to customer service or the credit bureaus. If you contact customer service they will be able to see the notes on the claim in regards to Avant accepting the charge and credit being permanently issued back to you. 



Thank you, XXXX XXXX XXXX XXXX XXXX  Issuer Dispute Operations XXXX  Worlds Most Admired Companies XXXX | XXXX XXXX XXXX | Join Our Team | XXXX | XXXX XXXX XXXX XXXX XXXX XXXX or its affiliates. XXXX is a registered trademark of XXXX XXXX Privacy Notice From XXXX. XXXX XXXX XXXX XXXX XXXX. All rights reserved. Used under license.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing to dispute a false account that appears on my credit report, which is a result of identity theft. The account is listed under [ SYNCB/PPC ] and is reported on my credit file twice as closed due to inactive use. 

Upon reviewing my credit report, I have noticed this account, and I assert that I did not open or authorize this account which I communicated with the creditor and they didnt find my name or social under any account associated with them. I have tried numerous of times to resolve this issue and I suspect fraudulent activity. 

I request a thorough investigation into the origin and accuracy of this account. Please provide the following information : 1. Verification of the debt and documentation proving its legitimacy.

2. Any supporting documents or agreements related to the account.

3. Details of the individual ( s ) responsible for opening this account, if available.

I have taken immediate steps to protect my identity, including contacting the creditor and filing a police report. I demand that you correct this error promptly and remove this fraudulent account from my credit report.

I request a written response within 30 days from the receipt of this letter, confirming the removal of the disputed account and any related negative marks 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 2023-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, I am seeing a XXXX collection illegally reporting on my consumer report. I have requested the collection agency to provide me a letter/document validating that the medical debt belongs to me. The debt collector have not responded to my requests. I have called the agency multiple times and could not get a proper resolution. TransUnion is illegally reporting inaccurate medical information on my consumer report and violating HIPPA law. I would request this collection be removed immediately from my consumer report. 

Debt collector : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Thank you for your consideration. 
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 non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
My SAMS Club card was charged {$120.00} on XXXX  and {$330.00} on XXXX by XXXX XXXX XXXX XXXX XXXX XXXX I have no idea what these charges are for nor did i receive any product i have received monthly Notice of Right to Cure Default from Synchrony Bank XXXX in XXXX and receive multiple calls on a daily basis. I have called the Bank repeatedly and talked with their staff as i should not be held responsible for unauthorized charges. in addition, i am being charged late fees and interest on this unpaid balance.

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 2023-10-14 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: Experian Information Solutions Inc.

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.I never gave my expressed, written consent for this consumer reporting agency to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the 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 non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I, a consumer, XXXX XXXX, am notifying you of a dispute of this alleged debt pursuant to 15 USC 1692g. I request that you provide to me with verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths of the statements of the facts of the matter, have first-hand knowledge, and must be notarized.

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt, which includes reporting to my consumer report with XXXX, Transunion, and XXXX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitute aggravated identity theft, I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.

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