vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 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: TX

Complaint narrative:
I would like an item removed from credit report from XXXX due to age of delinquency, it's been 7+ years since account was delinquent/ charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: VA

Complaint narrative:
Yes I have incorrect information reporting on my credit due to identity theft and fraud this has ruined my life and I will like for it to be removed. I spoken with several reps from Equifax about unauthorized and fraudulent collections on my consumer report. Under 15 USC 1681 ( a ) ( 3 ) Equifax assumed this role without permission nor my consent, also Equifax did not respect my rights to privacy which is under 15 USC 1 [ ... ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2023-11-08 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:
attached is my supporting documents. stop asking me for documents I don't have. my SSN & XXXX XXXX bill confirms my name & address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Over the course of several months I have be attempting to have the Credit Reporting Agencies to remove inaccurate information that is showing up on my consumer file. I would also like a copy of my consumer file. What I received in returned is a form letter that states that they do not belive who I am. I have sent a copy of my personal documentation. I think my rights as a consumer have been denied and violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: WV

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal 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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
In accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 o 4 a section ) also states a consumer without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

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 2023-11-08 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: GOLDMAN SACHS BANK USA
State: NH

Complaint narrative:
I bought a XXXX XXXX Order Number : XXXX Order Placed : XX/XX/XXXX. I was issued an Apple credit card/account. It is the only transaction associated with the account. 
Goldman Sachs was provided an email address from Apple in the account setup. The email address XXXX. That email address was assigned by Apple over 20 years ago and has never been used other than as the Apple account ID. It is not used for or monitored for correspondence and never has been - without a problem for over 20 years. It can not be deleted ; I tried years ago, concerned that it would lead to confusion, which it has. 
Goldman Sachs attempted to reach me using that address to indicate that payment ( s ) were overdue. Needless to say, I never received those notices. 
I make auto payments directly through Apple for other products and services every month. I believed the payments were being made automatically to Apple for the product purchased. After 39 years without incident I do not monitor Apple auto payments monthly. 
I have never had a late payment before ( check my report ). I built and maintained a credit history rated excellent on all three reports for decades. It is now trashed due to an email address I never use ( other than as account ID ), do not want and did not understand would be the basis for contact from an institution I did not deal with directly. 
Fair redress in my opinion would be to remove the delinquent report from my credit rating. If there is a penalty due to my not understanding the complexity of the transaction so be it, but the damage done to my credit does not reflect my credit worthiness accurately and resulted from correspondence between Apple and its credit account partner. All outstanding payments were made within minutes of my learning they had not been as expected. 
I contacted Apple on XX/XX/XXXX and again on XX/XX/XXXX. Case ID : XXXX. On both occasions I was forwarded to Goldman Sachs. On XX/XX/XXXXXXXX  I was advised that a supervisor would review and contact me - no one did. On XX/XX/XXXXXXXX  I was told that Goldman Sachs could not address the problem other than to tell me to change the email address that I never used intentionally and can not delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: LA

Complaint narrative:
On XX/XX/2023 I purchased a Vanilla Gift Card from XXXX and loaded it with {$500.00}. When I got home, I opened the gift card packaging to discover that the card was some sort of scam. A photocopy of a barcode was placed in the packaging and resealed in such a way that it was not obvious it was tampered with. 

On XX/XX/2023 I called InComm to inform them of the issue and start a case. The case number was XXXX. I submitted to them all the requested documentation by email to XXXX. This included the original receipt, the front and back of the card and my driver 's license. 

About 30 days later I received a replacement card in the mail. The replacement card had a value of {$0.00} instead of the {$500.00} that was loaded to the card. 

I contacted InComm to tell them of the {$0.00} replacement card. They stated that they would send me another replacement card. 

About 1 week later I received the second replacement card and this one also had a {$0.00} value. On XX/XX/2023 I again called InComm to tell them of the issue with the second replacement card. They said that they would check into it but I have heard nothing further from them. 

It has now been 2 months since my original purchase and starting the case with InComm, and there has been no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Around XX/XX/, I fell victim to a multi-layered scam orchestrated by XXXX XXXX ( the " Scammer " ) Which involved me making deposits for a total amount of XXXX USD from my America First Credit Union account via XXXX machine/ATM to the Scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: FL

Complaint narrative:
XX/XX/2023 Today I saw that old account information was posted to my credit file with TransUnion today which was all incorrect which dropped my credit score by XXXX points. I have already discussed this with TransUnion before and will not do this again. They need to immediately fix this error of recurring inaccurate information. 

My next step to fix this recurring problem of reporting inaccurate information by TransUnion is to obtain legal counsel by hiring a Consumer Attorney. Thank you.

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 2023-11-08 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: CA

Complaint narrative:
On my Experian report I have credit card charge {$1600.00} from XXXX XXXX, open on XXXX XXXX fraud ( identity theft ), I know my cousin XXXX XXXX who lived in my home since XXXX until XXXX open this account and many other account as XXXX, XXXX, Store Credit , personal loan without any permission, And never request any credit with this company. 
I talk to XXXX XXXX and explained since XX/XX/XXXX they send me identity theft letters and I signed and send back to them and I send copy to Experian Also I reported to identitytheft.gov to report them I am victim Many time I spoke to Experian customer service and supervisor they didnt anything just each time stating to new dispute after 30 days same answer Please some one help me Again I am never request any credit from XXXX XXXX I ask never used any credit from XXXX XXXX  I am victim My cousin used my information also he lives with me almost 6 years and left to XXXX I have all his information if they request I can provide 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 2023-11-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received multiple AMEX gift cards from my employer as a prize in 2020 and was able to make some purchases with them, but now I have various sums on all cards and I can't use these cards anywhere in the last few years. 

These virtual cards are declined online and in XXXX XXXX XXXX  stores, at restaurants and grocery stores, or XXXX wallet - no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my XXXX unusable virtual cards to a physical card. They can not offer me a refund. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender XXXX and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their cards for XXXX years. My money is inaccessible. All I want is the total balance on my cards in cash/check. 


The card numbers and values are as follows : Card XXXX : XXXX | Pin : XXXX | Remaining balance : {$38.00} Card XXXX : XXXX | Pin : XXXX | Remaining balance : {$10.00} Card XXXX : XXXX | Pin : XXXX | Remaining balance : {$16.00} Card XXXX : XXXX | Pin : XXXX | Remaining balance : {$49.00} Card XXXX : XXXX | Pin : XXXX | Remaining balance : {$250.00} Card XXXX : XXXX | Pin : XXXX | Remaining balance : {$47.00} Card XXXX : XXXX | Pin : XXXX | Remaining balance : {$90.00} Card XXXX : XXXX | Pin : XXXX | Remaining balance : {$70.00} Total unspendable balance across all cards : {$580.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09 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: GA

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX  XXXX XXXX : {$610.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$780.00} XXXX, XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$600.00} XXXXXXXX XXXX  XXXX Balance : {$610.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX 2023

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 2023-11-09 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$780.00} XXXX, XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$600.00} XXXXXXXX XXXX XXXX Balance : {$610.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX To whom it may concern : Today is XX/XX/2023 and this is my formal written request for you to cease contact with me regarding : Account Number : XXXX I refuse to pay this debt or any other debt that you have in or associated with my name. So PLEASE STOP CALLING ME, OR SENDING ME LETTERS! 
Once again! I am informing you to cease all contact with me or anyone else about this claimed debt. 
Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice that I REFUSE TO PAY and for you to CEASE all further communications with me. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: 21ST MORTGAGE CORP.
State: NC

Complaint narrative:
I paid my mortgage payment to 21st mortgage on XX/XX/XXXX. i have the confirmation number also. with XXXX XXXX  XXXX XXXX nc. so i call monday to tell them on the XXXX, XXXX mortgage, that the bank closed my account on the XXXX and that the payment might get kicked back. so XXXX said he would give me a courtesy call on the XXXX of this week. so he called me around XXXX XXXX  est. he asked what was going on with the payment and that it got kicked back. i tried to explain to him what happened, that the bank closed the account and processed another payment ahead of theirs that was paid around the XXXX. he kept getting nasty with me and then he put his supervisor on the phone. she was literally hounding me about the payment. and saying she finds it strange that the bank closed out my account for no reason. i told her im a XXXX vet and i dont need this. and she was rude and nasty to me too. i dont need this. im a veteran and i fought for this country. i called and found out from the bank that XXXX waited until the XXXX to pull the payment after the other payment processed and put my account in the negative and got my account closed. i told XXXX im going to report them. he was like who are you going to report us to XXXX XXXX. who are you going to report us to. ok, i got you. i will report you to the news media and the va for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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 am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: MO

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-11-09 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: MO

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-11-08 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: PA

Complaint narrative:
I strongly urge you to eliminate this account from my credit report as it is not associated with me, and I'm sincerely disheartened by its inclusion. I implore the company to expedite its removal from my credit history.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have unknown hard inquires listed on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquires and reporting is violation of my rights under FCRA.

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 2023-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I was voluntarily taken off a credit card from lowes/ SYNCB/LOW XXXX that am no longer an authorized user on and lowes has reported to the credit bureau XXXX and others that I own an out standing balance of {$10.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: VA

Complaint narrative:
Yes I have incorrect information reporting on my credit due to identity theft and fraud this has ruined my life and I will like for it to be removed. I spoken with several reps from XXXX about unauthorized and fraudulent collections on my consumer report. Under 15 USC 1681 ( a ) ( 3 ) XXXX assumed this role without permission nor my consent, also XXXX did not respect my rights to privacy which is under 15 USC 1 [ ... ]

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