vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 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: CT

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 : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 XXXX 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 2024-09-05 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: PA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-09-05 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: PA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX  since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: NJ

Complaint narrative:
XXXX XXXX account # XXXX both accounts on my experian credit report should not be there. I have never owned or been affiliated with the account they are alleging. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that this account be removed 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 2024-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Ive recently lost my job and my account was bad for not even a month and they didnt even try to contact me and I paid my balance it full then use it normally then randomly WITHOUT ANY CONTACT TO ME AT ALL ..closes my account and is so out of the blue I just get a notification on my phone and I go and it says its in collections LIKE SLOW DOWN is this even legal I want my account back I didnt do anything wrong how yall gon na wait for me to pay my balance of to close it like so scammy I legit have an XXXX XXXX XXXX and everything ..Im so switching to XXXX if yall dont resolve my account asap my account was an ( ( ( APPLE XXXX CARD BUT ITS BY YALL ) ) ssn ending in XXXX names XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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:
I am contacting you to address significant inaccuracies that I have identified on my credit report. These errors pertain to specific accounts listed in your bureau 's records, which are currently reflecting incorrect information. 

Enclosed are letters that detail the nature of these errors, including documentation supporting my claims. The discrepancies involve incorrect reporting of payment history, account status, and other vital data that are adversely affecting my credit profile. As these inaccuracies do not align with my actual account activity, it is essential that they are corrected promptly. 

I am requesting that you initiate an investigation into the accounts mentioned in the attached letters, rectify the errors, and ensure that the inaccurate information is removed from my report. I also ask that my credit report be updated to reflect the correct information in accordance with the Fair Credit Reporting Act ( FCRA ). Once the corrections have been made, please provide me with confirmation in writing. 

If any further information is needed to process this dispute, feel free to reach out to me at your earliest convenience. I expect a timely resolution to this matter and appreciate your cooperation in correcting my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
I have been with USAA for 25 years and I can clearly see the treatment, care and concern of the military and Veterans from USAA has changed over the years. 

I moved to XXXX  XX/XX/2024 and during the month of XXXX my account was hacked, several power bill payments from several different states was coming out of my checking account. I elected to close the account immediately but the USAA representative said I needed to keep the account open so USAA can complete an investigation more efficiently and quickly. So, I started using my other checking account I already had with USAA, leaving the hacked checking account with a XXXX balance. 
The last hacked power bill payment came out of the hacked checking account in XX/XX/2024. 
On Saturday XXXX XXXX I tried to use my debit card and it didnt work, I tried checking my account on my phone and it was locked. On XXXX XXXX I called USAA, and the representative told me that I had a new document in my USAA mailbox that stated USAA is exercising their right to no longer do banking business with me and per their Depository Agreement they closed all my accounts. On XXXX XXXX I called USAA to see if a check was already mailed and if so, was there a tracking number. The representative explained that all my accounts are locked, and a check will be mailed in 60 business days. 
Thirty days is understandable but 60? I cant even make my car payment which is with USAA, nor my mortgage or my mothers XXXX home payment. Moreover, there is no explanation as to why USAA decided to close all my accounts and no longer do business with me when I didnt do anything wrong. I was the one hacked!!! USAA is punishing me all while they didnt announce their data breach as of XX/XX/2024. My thought process is that they let go of one of their contractors and that individual may have taken several peoples information with them. What ever happened this is not good business!! 
It is extraordinarily horrible how USAA chose to stop doing business with me and lock all my accounts so I can not make my car or loan payment. However, USAA did not lock my consumer accounts as they are accruing interest every day. Talk about grimy! USAA is causing significant financial hardship and is adding to my stress, this is especially tough as a veteran who is already dealing with 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 2024-09-05 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: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I'm not sure what happened, experience has had wrong info on my report forever, I've tried and tried disputing it then the next time I signed on it shows no accounts nor report score no XXXX score and XXXX hard inquiries .I have atleast XXXX accounts altho my credit score is poor im trying to fix it due to divorce in 2018 and identity theft of several credit cards I've been disputing w no luck removing I still have the right to an accurate credit report, I believe my info was breached and ask it be fixed immediately and updated please

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 2024-09-05 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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: MI

Complaint narrative:
XX/XX/year> I am writing to express my strong opposition to the recent rejection of my loan modification application. Your decision is based on unjustified and incorrect facts, and I am providing several reasons why this decision is fundamentally flawed : Delayed Notification : I was transferred to XXXX XXXX after a two-month delay without any notification to me as the borrower. 
Ignored Documentation : The loan modification package I previously sent was completely ignored. 
Overlooked Application and Financial Information : My loan application and financial information were disregarded. 
Lack of Communication on Work Out Plan : There was a failure to inform us that a work out plan was necessary. 
Failure to D

efine Work Out Plan : We were not informed about what a work out plan entails. Poor Communication : There was a com
plete lack of communication regarding the additional documentation required. 
False Rejection : The decision to reject our loan modification package was based on lies and falsehoods, despite us submitting all requested information. 
Lack of Transparency : We received a rejection letter without any clear explanation, leaving us in the dark about your companys processes. 
Online Registration Issues : We have been unable to register online to make payments or view our account. 
Unclear Payment Information : We do not know the payment amounts or due dates. 
Ignored Correspondence : All our emails have been ignored, and we have only received form letters in response. 
Disregard for Hardship : Our hardship letters detailing my wifes XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were completely ignored. 
Unjustified Payment Delays : Despite being with your company for less than XXXX months, you claim we are XXXX months behind on payments, which are already too high with a high interest rate, setting us up for foreclosure. 
Unacceptable Options : The XXXX options you offered are totally unacceptable and do not help us keep our home. Your customer service has been poor. 
Given these points, I am filing a complaint with the Consumer Protection Agency to report your mistreatment and predatory lending practices. We have been with your company for less than XXXX months, and it is clear that your goal is to take our home, especially when we are XXXX XXXX. 

I urge you to reconsider your decision and provide a fair and just resolution to our situation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: CO

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-09-05 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: TX

Complaint narrative:
I am contacting you to address significant inaccuracies that I have identified on my credit report. These errors pertain to specific accounts listed in your bureau 's records, which are currently reflecting incorrect information. 

Enclosed are letters that detail the nature of these errors, including documentation supporting my claims. The discrepancies involve incorrect reporting of payment history, account status, and other vital data that are adversely affecting my credit profile. As these inaccuracies do not align with my actual account activity, it is essential that they are corrected promptly. 

I am requesting that you initiate an investigation into the accounts mentioned in the attached letters, rectify the errors, and ensure that the inaccurate information is removed from my report. I also ask that my credit report be updated to reflect the correct information in accordance with the Fair Credit Reporting Act ( FCRA ). Once the corrections have been made, please provide me with confirmation in writing. 

If any further information is needed to process this dispute, feel free to reach out to me at your earliest convenience. I expect a timely resolution to this matter and appreciate your cooperation in correcting my credit file.

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 2024-09-05 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: TX

Complaint narrative:
I am contacting you to address significant inaccuracies that I have identified on my credit report. These errors pertain to specific accounts listed in your bureau 's records, which are currently reflecting incorrect information. 

Enclosed are letters that detail the nature of these errors, including documentation supporting my claims. The discrepancies involve incorrect reporting of payment history, account status, and other vital data that are adversely affecting my credit profile. As these inaccuracies do not align with my actual account activity, it is essential that they are corrected promptly. 

I am requesting that you initiate an investigation into the accounts mentioned in the attached letters, rectify the errors, and ensure that the inaccurate information is removed from my report. I also ask that my credit report be updated to reflect the correct information in accordance with the Fair Credit Reporting Act ( FCRA ). Once the corrections have been made, please provide me with confirmation in writing. 

If any further information is needed to process this dispute, feel free to reach out to me at your earliest convenience. I expect a timely resolution to this matter and appreciate your cooperation in correcting my credit file.

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 2024-09-05 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: TX

Complaint narrative:
I am filing a complaint against Experian XXXX and XXXX for failing to properly investigate and validate a disputed XXXX XXXX collection account on my credit report. Despite multiple requests, the credit bureaus have continued to report this debt without verifying the accuracy or validity of the information provided by XXXX. 

**Background : ** XXXX. **Disputed Account Information : ** - Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX - Amount : {$860.00} - Date Reported : XX/XX/XXXX XXXX. **Failure to Validate Debt : ** Since XXXX, I have repeatedly requested from XXXX XXXX a proper validation of the alleged debt. XXXX has only sent me random, non-itemized phone bills, which do not meet the legal requirements for debt validation. Under the Fair Debt Collection Practices Act ( FDCPA ), I requested specific information that was never provided, such as : - A copy of the signed contract or agreement creating the debt. 
- A complete itemization of charges. 
- Proof that the debt is within the statute of limitations. 
- Documentation of any transfer or sale of the debt, including the name of the current owner. 

XXXX. **Disputes with Experian XXXX and XXXX XXXX ** I have formally disputed this XXXX XXXX collection account with the credit bureaus multiple times, yet they continue to report the debt as verified without providing any evidence of its validity. Credit bureaus have not conducted a thorough investigation or requested sufficient documentation from XXXX. As a result, the inaccurate collection continues to damage my credit score. 

XXXX. **Inaccurate Credit Reporting : ** The credit bureaus refusal to properly investigate and verify the disputed information is a violation of the Fair Credit Reporting Act ( FCRA ). Their failure to remove this inaccurate collection has caused significant damage to my credit profile and financial standing. 

XXXX. **Impact on Military Family : ** As a military spouse, I am particularly vulnerable to the financial consequences of incorrect credit reporting. This inaccurate reporting has caused undue stress and negatively impacted my familys financial well-being. 

**Relief Sought : ** - I request that all three credit bureaus remove the XXXX XXXX collection account from my credit report immediately. 
- I demand that the credit bureaus conduct a full and proper investigation, requiring XXXX to provide all legally required documentation to validate the debt. 
- I seek compensation for any damages incurred as a result of the credit bureaus failure to investigate my disputes properly. 
- I request that all debt collection and reporting activities cease until full validation has been provided.

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