vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
At this moment. I am in litigations with XXXX company.. complaint files first one XXXX. Second # XXXX. Third # XXXX. One is a consumer agency. XXXX. The other is Goldman Sachs. And XXXX XXXX funding. There seems to be some miscommunication I the consumer and they the corporations in this litigation and disputes. I XXXX XXXX would like all three companies to send me any documents/paperwork/evidence : or any written document they have supporting the allegations through mail. Certified mail. As a consumer doing business I have legal rights to so these documents that support there claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
At this moment. I am in litigations with three company.. complaint files first one XXXX. Second # XXXX. Third # XXXX. One is a consumer agency. XXXX. The other is XXXX XXXX. And Lvnv llc funding. There seems to be some miscommunication I the consumer and they the corporations in this litigation and disputes. I XXXX XXXX would like all three companies to send me any documents/paperwork/evidence : or any written document they have supporting the allegations through mail. Certified mail. As a consumer doing business I have legal rights to so these documents that support there claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complaint Description : I am filing this complaint against EXPERIAN because they have not accurately reported my personal information on my credit report. I am entitled to a fair and accurate credit report and my personal information should be top priority. 

Incorrect Personal Information : The personal information that they are reporting inaccurately includes incorrect address, incorrect employer. Specifically, the following details are incorrect : Not my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Not my employer : XXXX XXXX Attempts to Resolve : I have attempted to resolve this issue by contacting them through mail, but I have not received a satisfactory resolution or explanation for why my personal information has not been updated correctly.

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 2024-06-23 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: SC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-06-23 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: SC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-06-23 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} THE LIST ABOVE OF THE ACCOUNTS, Have violated my written instructions, confidentiality under 1681. With inaccurate information.

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 2024-06-23 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} THE LIST ABOVE OF THE ACCOUNTS, Have violated my written instructions, confidentiality under 1681. With inaccurate information.

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 2024-06-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 U.S.C 1681 section 602 A. I have the right to privacy. 

Account name XXXX XXXX XXXX  XXXX Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. Section ( 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 convections of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ), A person should not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

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 2024-06-23 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: MI

Complaint narrative:
Transunion is reporting a fraudulent account on my credit report. This account was opened due to identity theft and XXXX XXXX  has sent me a letter stating that they will permanently remove and or stop reporting the fraudulent account to my credit report and transunion is still reporting the 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 non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
My Barclays credit card was being used by someone else without my knowledge or consent. I contacted Barclays about this issue, explaining that I did not have access to the portal, could not make payments, and was not aware of any payments due, as the account had been taken over by the individual who stole the credit card. I received XXXX late payment marks on my credit report, even though I had no control over the issue. I am requesting that these late payment marks be removed from my account. I have since been able to access the account, paid off the account, and closed the account to ensure that this issue will not happen again.

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 2024-06-23 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: ND

Complaint narrative:
I filled this consumer complaint to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block 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 consist of 2 personal credit card accounts opened at XXXX XXXX XXXX on XXXX XXXX under the account number XXXX and the other personal card account opened aXXXX XXXX XXXX XXXX  on XXXX XXXX under account number XXXX, and XXXX personal loan account opened at XXXX on XX/XX/XXXX under account number XXXX and the other personal loan account opened at XXXX  on XX/XX/XXXX under the account number XXXX a collections account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$1300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX These accounts along with the collection account listed appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collection are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collection are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
pulled credit report notice fraudulent activity ask that you please remove the accounts from credit for they are hurting my ability to obtain credit.Thanks

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 2024-06-23 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: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
Banana Republic credit card account was closed ( no worries there ). I continued making payments. In XXXX, notice was provided that account was due on XXXX XXXX. Shortly thereafter, payment was initiated ( dont recall the day ), but payment was not completed for some unknown reason. No notice was provided about overdue payment and no notice was provided about transfer of the account from XXXX to Barclays. Today, XXXX XXXX, I received notice my account was reported as delinquent. When I went in to pay the account in XXXX, login information didnt work. Thats when I discovered the account was transferred to Barclays. I was able to log into Barclays with the account info and pay the bill. I called Banana Republic to inquire about the report of delinquency and why no notice was provided about the overdue payment nor about the bank transfer. Agent told my only recourse was to file a dispute with the credit bureau, as there was no other recourse. Dispute has been filed, and were awaiting result. My primary concern is the lack of notice about ( 1 ) overdue payment or ( 2 ) bank transfer from XXXX to Barclays.

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed that my personal information was being reported incorrectly on my credit report. I am in the process of being employed and the employer is conducting a background check. Questions about my personal information were taken from my credit reports. In an effort to correct the inaccuracies on my credit report, I wrote letters with verification, which included my driver 's license ( DL ), paystub, social security card, and bill verifying my residence. I sent the letters in XXXX XXXX and XXXX. XXXX and XXXX removed the inaccurate information but Experian has yet to remove the inaccurate information.

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 2024-06-23 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report, I was shocked to learn that I have been a victim of Identity theft, I found Numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove fraudulent accounts 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 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Synchrony Bank Verizon VISA has reported me delinquent on my bill. 

I do not owe any money and Synchrony Bank continues to hound me telling me I owe them {$280.00} which is a flat out lie. 

Synchrony refuses to close the complaint I opened 7 weeks ago. 

Verizon has stated that Synchrony Bank is in ERROR.

Verizon Bill Pay website shows I have made the following payments XXXX XXXX XXXX XXXX XXXX XXXX VISA XXXX XXXX} VISA XXXX XXXX} VISA XXXX XXXX VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verizon XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VISA XXXX XXXX VISA XXXX XXXX VISA XXXX XXXX VISA  There is no possible way that I owe {$280.00} because this is more tham most of my, monthly charges ( which were {$35.00} per month for XXXX thru XX/XX/XXXX ). All of the above checks have cleared and Verizon has stated it does not matter that the checks were sent directly to Verizon with the Synchrony Bank VISA Account Number on them. 

I would like this issue resolved and I would like Synchrony Bank to notify the Credit Agencies that they are at fault. 

I WOULD LIKE MY BALANCE XXXX XXXX TO THE CORRECT/CURRENT CHARGES WHICH ARE XXXX PER MONTH AND NO OUTSTANDING CHARGES. 


It has been 8 months now with NO HELP FROM THE CONSUMER FINANCIAL PROTECTION BUREAU. I AM WRITING MY SENATORS.

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 2024-06-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX I spoke with a representative about my payment and I already made the payment she went on land continued to say that I was late and I insured her the payment was done according to my payment arrangement and she continued to threaten me starting with repossession and continued to threaten me repossession. I feel like this a constant threat used by this company with me all the time causing to panic and be in constant worry of not having a car. Times are hard and like I told them many times that Ive had financial difficulties with dealing with the repairs from the last time my car was repossessed Ive had lots of damage under the bottom of my car that was never addressed or fixed and feel like a little grace would go a long way with this company and I dont feel like they care about me

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 2024-06-23 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: CA

Complaint narrative:
Accounts were opened Fraudently without me having any knowledge or giving any consent. My privacy has been violated and accounts must be removed.

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 2024-06-23 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute and bring to your attention violations of my rights under the Fair Credit Reporting Act ( FCRA ) by the following accounts : XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX & XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX In accordance with the FCRA, specifically 15 U.S.C. 1681, my rights have been infringed upon in the following ways : Right to Privacy : Under 15 U.S.C. 1681 ( a ), I have the right to privacy concerning my credit information. However, it has come to my attention that the above-mentioned accounts have mishandled my personal information, violating my right to privacy as outlined in the FCRA. Failure to Obtain Written Instructions : According to 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish information about my accounts without my explicit written instructions. Each of the aforementioned accounts has reported information to credit reporting agencies without obtaining such instructions from me, thereby violating this provision of the FCRA. These unauthorized disclosures have caused significant distress and potential harm to my credit standing. I am requesting that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action against the responsible parties to ensure compliance with the FCRA. Enclosed, you will find copies of relevant documentation supporting my claims, including credit reports, and any correspondence with the respective account holders. I appreciate your prompt attention to this matter and look forward to a resolution. Should you require any additional information or clarification, please do not hesitate to contact me at the contact information provided above. Thank you for your assistance in protecting consumer rights under the FCRA. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRSTBANK
State: AZ

Complaint narrative:
In XX/XX/year> I deposited and verify by the Assistant Manager at the bank {$33000.00}. Everything was going great until ( 4 ) months unto they closed my money and I didn't have any way to have it.

Checking : {$21000.00} Saving : {$4400.00} = {$25000.00} They lied to me. They said they just want to see my Taxes. I DID SHOW THEM MY IRS TAXES. 

I don't know what to do. I have gone to the bank about ( XXXX ) times. They said " I'm not going to send this money to you ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting 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:
Experian, XXXX and XXXX are reporting late payments on account XXXX XXXX during XXXX and XXXX. According to the Fair Credit Reporting Act late payments are a violation under 15 USC 1666b.

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