vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I paid for a pay for delete and the company left the account on my report and its affecting 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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting on my three credit files with a balance of {$710.00}. When I tried to pay this balance they told me they sold the account to XXXX XXXX. By federal law, since XXXX XXXX no longer owns this debt, they can not continue to report a balance owing on the debt. 

I verified with XXXX XXXX ( account number XXXX Phone XXXX ) that they now owned the account and that is was not just " placed '' with them. 

I disputed this with the bureaus and XXXX XXXX XXXX XXXX responded leaving this on my files. This is willful negligence of their responsibility outlined in the Fair Credit Reporting Act. And as you well know, Willful Negligence carries a punitive damages clause when sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, 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:
Equifax continues to report a collections agency XXXX XXXX  on my consumer credit report when I have never done any business with this third part collection agency and this collection agency was never obtained authorization or consent to furnish or obtain my private source data. I sent certified request to Equifax as well as XXXX XXXX with no response. Ive filed several disputes acknowledging the federal violations and there still has been no response. Ive now filed a claim with the ftc for fraud. I never gave consent to either party to have or use my private source data

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am so upset about this situation. Ive submitted this complaint 3rd times & CFPB & XXXX XXXXTRANSUNION claiming its being submitted by someone other than me or that there is no file on records. Seems like a lot of passing the buck or not accountability. Whatever the reason. XXXX beyond annoyed. These inquiries are not mine. This matter has been creating an insane amount of emotional & physical distress. My attorney told me I should just sue for violations in FCRA laws. Id prefer to not get litigious. Please see this matter is handled. 
XXXX XXXX XXXX Inquiry Date XX/XX/2021, XXXX XXXX  XXXX Inquiry Date XX/XX/2021, XXXX Inquiry Date XX/XX/2021

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am so upset about this situation. Ive submitted this complaint 3rd times & CFPB & XXXX /EQUIFAXXXXX claiming its being submitted by someone other than me or that there is no file on records. Seems like a lot of passing the buck or not accountability. Whatever the reason. Im beyond annoyed. These inquiries are not mine. This matter has been creating an insane amount of emotional & physical distress. My attorney told me I should just sue for violations in FCRA laws. Id prefer to not get litigious. Please see this matter is handled. 
XXXX XXXX XXXX Inquiry Date XX/XX/2021, XXXX XXXX XXXX Inquiry Date XX/XX/2021, XXXX Inquiry Date XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
XXXX, XXXX KNOW THIS COMPANY OR ACCOUNT

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 2023-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
My Apple Card with Goldman Sachs was restricted on XXXX I contracted support from the link and they had me reset my AppXXXX ID and said it would be fixed. It was not fixed. Contacted them again and said I need to call the customer service number. I called and they verified a charge I made that they thought could have been fraudulent. I confirmed the charge and they said it would be fixed. Still wasnt fixed. Contacted them again and was told my account was under review but could not get me a time frame for the review. I contacted them again and they removed the restriction. I used the card on XXXX and the card became restricted again. I contacted support and they said it would be removed, and gave me a new card number. I tried to use the card again but the account was still restricted. Contacted them on XXXX  was told it was removed and to wait 24 hrs as their system was slow at updating. XX/XX/ account still restricted, called again and was told a supervisor would contact me within 24 hours. No one ever contacted me. Called XX/XX/ and was first told there was a server error but a supervisor was working on getting the restriction off. After I sat on hold for XXXX min I was told my account was under review again. Its been XXXX weeks and I still cant use my card. I had the card setup for autopay and have had to change my accounts due to my charges being declined. Every time I contact them it takes 30-60 minutes of my time and Im getting a different story from each representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2023, I sent a payment via XXXX in my Bank of America app to a relative of {$260.00} around XXXX. That money was sent to an account she had closed with XXXX XXXX XXXX XXXX, as they still had her telephone number linked to the closed account. My relative said another party had sent money using her phone number & that party received their funds back to their account because it was deemed undeliverable since the account was closed. I have contacted & escalated this claim with Bank of America twice. In addition, my relative has contacted XXXX XXXX who they have no transactions because the account was closed. Bank of America refuses to assist any further in getting my monies back. How can monies be delivered to a closed account? No one from Bank of America an answer this, but simply tell this is resolved. I have sent other people money using XXXX that have closed or changed banks & that money appeared as a debit and then credit back to my account. I need assistance in escalating this matter as neither bank is assisting. XXXX has not received the monies either.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Herbert P. Sears Co., Inc.
State: MD

Complaint narrative:
I have looked at my report and I have never rented a car in my life.Please delete this off my credit report 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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Since XXXX until now I have been sending Experian certified letters ( see several attachments ) requesting that they correct two XXXX XXXX  accounts with inaccurate and incomplete information that they continue to list on my Experian credit report. Despite my letters and information from the original creditor that contradicts them, Experian has refused to correct their errors and has only responded by saying the incorrect information has been " verified ''. This incorrect information is on the latest Experian credit report as of XX/XX/XXXX : 1. These accounts are reporting me dead despite me providing Experian with Proof of Life ( see attachment ) and multiple telephone conversation where they verified I was alive, 2. These accounts are still reporting Status of {$1900.00} and {$6500.00} even after they have been discharged by XXXX with 1099Cs ( see attachment ), neither of these Status postings should be on the report, 3. These accounts continue to lack my Notice of Dispute which I have requested of Experian despite my multiple dispute letters ( see attachements ). This is a violation entitling me to at least {$1000.00}, 4. These accounts are not reporting the Date of Last Activity, the Date of Last Payment, the Date of 1st Delinquency and the Date Closed ( see attachment ). and 5. Without those dates, the On Record Until dates are incorrect. 

.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've contacted XXXX and EquiFax about my credit score dropping a significant amount when my student loans were transferred from XXXX to XXXX. When I tried to contact the company as to why my score dropped such a significant amount while my loans were the same, they said they don't have any authority to check my credit report or tell me why it went down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: DC

Complaint narrative:
After my bankruptcy terms had been fulfilled, I received assistance from the DC Homeowner Assistance Fund ( DCHAF ) to bring my mortgage current with SN Servicing Corp ( SNSC ). During my bankruptcy process SNSC disabled my online account access and refused to accept any payments from me. 

On XX/XX/2023, my first resumed payment was due, and my online access had been restored after SNSC received payment from DCHAF. According to my online statement, the amount due on XX/XX/2023 was {$2100.00}, and I paid {$2100.00} on/around XX/XX/XXXX. SNSC refused to apply that money to my XXXX payment. The account rep said it was a partial payment because the amount due was {$2100.00}. When I questioned why that amount is not reflected on my XXXX statement, I did not get a satisfactory response. Instead, on XX/XX/XXXX, another account statement was manufactured and added to my account, showing my account being past due for XXXX in the amount of {$2100.00}. The amount of {$2100.00} was only communicated to me via email message, but I never received a statement saying the amount due for XX/XX/2023 was {$2100.00}. 

After sending several emails and making some phone calls to SNSC, I realized no one could/would adequately explain what was going on with my account. So, I reluctantly paid an additional {$36.00} to keep my account from going into a late status. Yet, I was still charged a late fee. 

I asked for an updated amortization schedule, but was told SNSC does not supply that information. I asked how do I make extra principal payments, and I'm still waiting on an answer. I've also asked for a payoff statement that is good for 60 and 90 days, and I'm still waiting to receive that. 

After everything I've been through regarding my home, I feel like I am the victim of some deceptive and fraudulent practices by SN Servicing Corp. I would like a refund or credit for the {$36.00} that I paid in XXXX, and I would like the late fee applied for XX/XX/2023 to be withdrawn/waived. I would also like someone to look into the overall mortgage servicing practices of SNSC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
last month i reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the XXXX, Trans union and XXXX has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted as of today.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
last month i reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the XXXX, XXXX XXXX and Equifax has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted as of today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been disputing information on my credit report for the past year! My lawful rights have been violated by Experian, XXXX, And XXXX. According to the FCRA regulations I am entitled to have true, correct, and complete information on my credit report. I have disputed all inaccurate and wrong information for over a year and the information still remains on my report. This information has kept me from buying a home. I have sent multiple letters to get MOV and no response.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting on my three credit files with a balance of {$710.00}. When I tried to pay this balance they told me they sold the account to XXXX XXXX. By federal law, since XXXX XXXX no longer owns this debt, they can not continue to report a balance owing on the debt. 

I verified with XXXX XXXX  ( account number XXXX Phone XXXX ) that they now owned the account and that is was not just " placed '' with them. 

I disputed this with the bureaus and XXXX XXXX XXXX XXXX responded leaving this on my files. This is willful negligence of their responsibility outlined in the Fair Credit Reporting Act. And as you well know, Willful Negligence carries a punitive damages clause when sued.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've contacted Experian and XXXX about my credit score dropping a significant amount when my student loans were transferred from XXXX to XXXX. When I tried to contact the company as to why my score dropped such a significant amount while my loans were the same, they said they don't have any authority to check my credit report or tell me why it went down.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : EMPLOYER : XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX 4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I applied for a Target RedCard and I was using it fine until this week and when I tried to place an order on the Target app it said there was an issue with the card. I called the number on the back of the card and I talked to a representative that told me I should fax or mail in a copy of the front and back of my driver 's license, the front and back of my signed social security card, and a copy of bank statements.

I have never had to send my personal information to any credit company in any company and just the thought of faxing over my personal information to some random person who I never talked to or have a reference to track back to is ridiculous. Therefore Im filing this complaint in hopes that this ridiculous motion is known.

When I asked what is the issue on why my card can not be in use they said they didn't know and it wasn't their department. Calling in there's no option to find the right department.

Company response to consumer: Closed with non-monetary relief