vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Last 4 of SSN : XXXX Hello. I am contacting the CFPB today to detail my recent experience with Apple and the Apple Card. 

On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a fraudulent credit card account opened in my name with GS Bank USA ( Apple Card ). Two days later, I received a response from Apple stating that I was somehow found liable for this account. The response included the instruction, If not already submitted, submit the following documents if you would like this decision to be reconsidered. For your reference, I have attached Apples email, a screenshot of the CFPB complaint ( # XXXX ), and the initial documents submitted with the complaint, including the FTC Identity Theft Affidavit. 

My concern lies in the timeframe of Apples investigation. In just two days, a determination was made that this account is mine, despite my submission of multiple identity theft reports and supporting evidence. Apple has not disclosed the methods used to verify the accounts ownership, which leaves me questioning how this conclusion continues to be reached given the extensive evidence I have provided. It appears that Apple, along with XXXX and XXXX, has failed to thoroughly review the information submitted. 

This fraudulent account has had a severe and lasting impact on my credit report. In an attempt to resolve this issue, I even paid the balance on the accountdespite not being liablehoping this would prompt a deeper review of my case. However, I am still facing the consequences of someone elses wrongdoing. 

After researching the appropriate legal steps, I am formally requesting that Apple Card, under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), block this fraudulent information on my credit report resulting from identity theft. According to this statute, this action must be completed within four business days of receiving this complaint. I have again provided all relevant details and documentation for the affected accounts below for your review. 

GS BANK USA Acct No. : XXXX Date Opened : XX/XX/XXXX I dont recognize this account. I did not authorize this and because of an evil roommate, I have to suffer for his terrible actions. This account was not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to XXXX, as proof from the US Federal Trade Commission that the account mentioned above is the result of identity theft and fraud. I have been reporting this account to the FTC for almost a year now and Apple refuses to take me seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: PA

Complaint narrative:
I am writing to formally address concerns regarding my account with your institution. Specifically, despite fully paying off a this account. I believe XXXX XXXX  is violating my rights under federal consumer protection laws. The reported information is inaccurate and should be deleted for the following reasons : 1. Incorrect Balance and Past Due Amount : This account was paid in full. The balance and past-due amounts are incorrect. 2. Incorrect Payment History : The reported payment history rating does not reflect the accounts actual payment record. 3. Misclassification as a Charge-Off/Collection : This account is not a charge-off or collection. It has been fully paid and should be reported as PAID. 4. Incorrect Remarks Field : The remarks field is misleading and inaccurate. Please delete all remarks associated with this account. The continued reporting of this inaccurate information is a violation of the FACT Act and the FCRA, which mandate that credit reporting agencies ensure the maximum possible accuracy of the data they report. I am requesting that this account be reviewed and updated to reflect the following changes : I request the immediate removal of this account from all credit reporting agencies. Details of Violations 1. Fair Credit Reporting Act ( FCRA ) : XXXX XXXX  credit card has inaccurately reported my paid charge-off as unresolved to credit reporting agencies. Additionally, the account has not been updated to accurately reflect its paid status, despite my requests to rectify the issue. 2. Consumer Financial Protection Act ( CFPA ) : Your institution has engaged in practices that may be considered unfair, deceptive, or abusive by failing to ensure accurate reporting and withholding proper resolution information. I request the immediate removal of this account from all credit reporting agencies. I am writing to formally address the tangible losses I have experienced as a direct result of the inaccuracies in my credit report. These violations have led to the denial of loans and higher interest rates, significantly impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting statutory damages of {$1000.00} for each violation. Additionally, I am seeking compensation for monetary damages, including punitive damages, to address the harm caused by these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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:
I am writing to formally address concerns regarding my account with your institution. Specifically, despite fully paying off a this account. I believe XXXX XXXX  is violating my rights under federal consumer protection laws. The reported information is inaccurate and should be deleted for the following reasons : 1. Incorrect Balance and Past Due Amount : This account was paid in full. The balance and past-due amounts are incorrect. 2. Incorrect Payment History : The reported payment history rating does not reflect the accounts actual payment record. 3. Misclassification as a Charge-Off/Collection : This account is not a charge-off or collection. It has been fully paid and should be reported as PAID. 4. Incorrect Remarks Field : The remarks field is misleading and inaccurate. Please delete all remarks associated with this account. The continued reporting of this inaccurate information is a violation of the FACT Act and the FCRA, which mandate that credit reporting agencies ensure the maximum possible accuracy of the data they report. I am requesting that this account be reviewed and updated to reflect the following changes : I request the immediate removal of this account from all credit reporting agencies. Details of Violations 1. Fair Credit Reporting Act ( FCRA ) : XXXX XXXX  credit card has inaccurately reported my paid charge-off as unresolved to credit reporting agencies. Additionally, the account has not been updated to accurately reflect its paid status, despite my requests to rectify the issue. 2. Consumer Financial Protection Act ( CFPA ) : Your institution has engaged in practices that may be considered unfair, deceptive, or abusive by failing to ensure accurate reporting and withholding proper resolution information. I request the immediate removal of this account from all credit reporting agencies. I am writing to formally address the tangible losses I have experienced as a direct result of the inaccuracies in my credit report. These violations have led to the denial of loans and higher interest rates, significantly impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting statutory damages of {$1000.00} for each violation. Additionally, I am seeking compensation for monetary damages, including punitive damages, to address the harm caused by these errors.

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 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In 2021 I declared a XX/XX/XXXXXXXX to get this debt off of my credit report as it belongs to my ex-husband who was awarded the property in a divorce settlement. For a short time, it was removed from my credit reports, but it has now reappeared since their association with XXXX XXXX, a bogus predatory lender like as XXXX. This needs to come off my credit at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: FL

Complaint narrative:
I am writing to formally request the deletion of an unverifiable account from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, this pertains to the account identified as a {$720.00} charge-off with XXXX XXXX XXXX  XXXX 
After disputing this account with XXXX, their investigation was completed on XX/XX/2024. Following the investigation, XXXX deleted this account from my credit report, as the information could not be verified. If XXXX has removed the account due to its unverifiability, I urge you to take similar action and remove this account from my credit report promptly. 
Under the FCRA, all credit reporting agencies are required to ensure that the information on consumer reports is accurate, complete, and verifiable. Specifically : Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies conduct a reasonable investigation of disputed information. 
If the disputed information can not be verified as accurate, Section 611 ( a ) ( 5 ) ( A ) requires the credit reporting agency to delete it from the consumers credit file. 
Furthermore, under Section 623 ( a ) ( 1 ) ( A ), furnishers of information must not provide information that they know or have reasonable cause to believe is inaccurate. 
Since XXXX has deemed this account unverifiable and deleted it, I expect the same resolution from your agency. If this unverifiable debt is not removed within 30 days from the receipt of this letter, I reserve the right to pursue further legal action under the FCRA. 
Failure to comply with FCRA requirements may subject your organization to statutory damages, actual damages, court costs, and reasonable attorney fees under Section 616 and Section 617 of the FCRA. Additionally, if willful noncompliance is found, I may be entitled to punitive damages. 
To ensure a clear record of this request, I have attached the relevant documentation, including confirmation from XXXX regarding the deletion of the account. 
Please confirm in writing that this account has been deleted from my credit report or provide a detailed explanation of your investigation findings. I expect a response within the time frame outlined by the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : 1. Copy of confirmation from XXXX regarding account deletion 2. Copy of my credit report showing the disputed account ( if applicable ) 3. Any additional supporting documentation

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 2024-12-25 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: FL

Complaint narrative:
I am writing to formally request the deletion of an unverifiable account from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, this pertains to the account identified as a {$720.00} charge-off with XXXX XXXX XXXX XXXX 
After disputing this account with XXXX, their investigation was completed on XX/XX/2024. Following the investigation, XXXX deleted this account from my credit report, as the information could not be verified. If XXXX has removed the account due to its unverifiability, I urge you to take similar action and remove this account from my credit report promptly. 
Under the FCRA, all credit reporting agencies are required to ensure that the information on consumer reports is accurate, complete, and verifiable. Specifically : Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies conduct a reasonable investigation of disputed information.

If the disputed information can not be verified as accurate, Section 611 ( a ) ( 5 ) ( A ) requires the credit reporting agency to delete it from the consumers credit file. 
Furthermore, under Section 623 ( a ) ( 1 ) ( A ), furnishers of information must not provide information that they know or have reasonable cause to believe is inaccurate. 
Since XXXX has deemed this account unverifiable and deleted it, I expect the same resolution from your agency. If this unverifiable debt is not removed within 30 days from the receipt of this letter, I reserve the right to pursue further legal action under the FCRA. 
Failure to comply with FCRA requirements may subject your organization to statutory damages, actual damages, court costs, and reasonable attorney fees under Section 616 and Section 617 of the FCRA. Additionally, if willful noncompliance is found, I may be entitled to punitive damages.

To ensure a clear record of this request, I have attached the relevant documentation, including confirmation from XXXX regarding the deletion of the account. 
Please confirm in writing that this account has been deleted from my credit report or provide a detailed explanation of your investigation findings. I expect a response within the time frame outlined by the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : 1. Copy of confirmation from XXXX regarding account deletion 2. Copy of my credit report showing the disputed account ( if applicable ) 3. Any additional supporting documentation

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 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , reporting information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a installment account opened at XXXX XXXX XXXX XXXX XXXX, XXXX under the account number XXXX, an auto loan account opened at XXXX on XXXX XXXX, XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-25 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: MI

Complaint narrative:
Disputing for inaccuracy with credit reporting agency, Equifax. I ask that the attached dispute letter is properly assessed and the credit reporting agency conducts a proficient and truthful investigation of the account reported. I have already verified my identity in the dispute letter attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: PA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-25 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: PA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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