vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pappas Hayden Westberg & Jackson PC
State: MO

Complaint narrative:
I asked them to verify the debt by providing documentation with my wet ink signature but I didnt receive anything back from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently discovered that my personal information was compromised due to a security breach within the systems of the three major credit bureaus ( Trans Union, XXXX, XXXX ). This breach allowed unauthorized parties to access and misuse my personal data, which has led to inaccuracies on my credit report. These inaccuracies are directly impacting my financial reputation, and I am requesting immediate action to correct the errors resulting from this incident.

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently discovered that my personal information was compromised due to a security breach within the systems of the three major credit bureaus ( XXXX XXXX, Equifax, XXXX ). This breach allowed unauthorized parties to access and misuse my personal data, which has led to inaccuracies on my credit report. These inaccuracies are directly impacting my financial reputation, and I am requesting immediate action to correct the errors resulting from this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: NV

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 2024-09-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I attempted to withdraw the balance of my account ( {$14000.00} ) with Marcus by Goldman Sachs on XX/XX/XXXX to my account at XXXX XXXX. This request was approved when I submitted the request and shown as a withdrawal on this account. On XX/XX/XXXX, this transaction was reversed in the account. When I contacted Goldman Sachs on XX/XX/XXXX, they told me that this was due to a " quick money '' violation. I was informed that because of this I could only withdraw funds if I was sending them to my XXXX account that I had initially funded the account with. This was to my confusion because the last deposit I made into the account was on XX/XX/XXXX - several weeks before my requested withdrawal. I also asked what they defined as " quick money '' and was told that they didn't have a timeline and it can vary. It's important to note that a key marketing point of these accounts " unlimited withdrawals and transfers ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is for a dispute claim number with Chase : XXXX  for {$45.00}. I've submitted a claim on 3 transactions because someone/fraudulently used my XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX to make purchases at XXXX XXXX XXXX XXXX in different locations including XXXX XXXX XXXX XXXX XXXX The 3 transactions were processed at the same time for {$19.00}, {$45.00} and {$51.00} done on XX/XX/year>XXXX  in the afternoon. I called Chase Bank at XXXX and disputed all 3 transactions totaling {$110.00} and Chase provided a new debit card number. I received a final credit on the {$19.00} and {$51.00}, however I didn't receive my final credit on {$45.00} because they said they found details of the transaction. How are you going to credit the {$19.00} and {$51.00} and not the {$45.00}. Also, this transaction was made in XXXX  and delivered in XXXX, I don't live or do business in XXXX. I've also submitted a XXXX, XXXX  police report - the report tracking number is XXXX, the XXXX Police Department contact information is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I would like my full refund of {$45.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: AES/PHEAA
State: AZ

Complaint narrative:
I have reached out to company, wont abide by my bankruptcy and you keep shutting my complaints out. They have started to report negatively on my credit and co borrower since I have been refusing to pay. I can not afford the loan and need the help of the cfpb and not say this complaint is the same as my previous complaint, this company is violating my bankruptcy discharge papers and wont help me out in any way

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to formally dispute inaccurate and misleading information that is currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request the deletion of the following items from my consumer report, as these accounts are inaccurate and can not be corrected, nor do I wish for them to remain on my credit file. 

XXXX. XXXXXXXX XXXX XXXX XXXXXXXX, XXXX. ( Account ending in XXXX ) Reported Balance : {$540.00} Available Credit : - {$44.00} Reason for Dispute : This account is reporting erroneous information, including a negative available credit, which is invalid. I am requesting the full deletion of this account from my report. 

XXXX. XXXXXXXX XXXX  ( Account ending in XXXX ) Reported Balance : {$1800.00} Available Credit : - {$490.00} Reason for Dispute : This account is incorrectly reporting a negative available credit. I am not seeking a correction but instead demand its immediate removal from my report. 

XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ) Reported Balance : {$620.00} Available Credit : - {$320.00} Reason for Dispute : This account contains incorrect information. I am requesting that it be completely deleted from my credit file. 

Legal Basis for Deletion 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : Under the FCRA, I have the right to dispute any inaccurate or unverifiable information. As these accounts contain erroneous information, I am requesting their complete deletion rather than correction.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) : Additionally, I request that all communications related to these accounts cease, including through my consumer report, which is considered a medium under this statute. The continued reporting of these inaccurate accounts violates my rights under the FDCPA. 

I request that you : Delete the inaccurate accounts listed above from my credit report. 
Cease any further communication regarding these accounts, including through my credit report. 
Provide a new copy of my credit report reflecting the removal of these accounts. 
Notify me in writing once these deletions have been completed. 

Please confirm receipt of this letter and the initiation of your investigation. If you need further information, you can contact me at XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: OH

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: GA

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following 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 non-monetary relief
Consumer complaint received 2024-09-12 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: IN

Complaint narrative:
Recently after checking my credit report I noticed I've been a victim of identity theft and found numerous credit inquiries that I have no knowledge of! here are the inquiries I found on my report! 
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  I have also filed and report with identity theft.gov. and have attached the file below!

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SET Financial Corporation
State: NC

Complaint narrative:
I am filing a complaint regarding an inaccurate listing on my credit report. I have been incorrectly listed as a co-signer for an account that I never agreed to co-sign, and it is not mine. 

Despite attempts to resolve this, the error persists. I request an immediate investigation and removal of this inaccurate information, as it is negatively impacting my credit. 
I am attaching my ID and Proof of address for your reference. 

Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXXXXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.

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 2024-09-13 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I disputed an erroneous rental balance of {$9800.00} provided by XXXX XXXX XXXX that was reported by the XXXX apartments in XXXX XXXXXXXX XXXX. I provided proof to National credit systems showing that I owe {$0.00} with my move out rental ledger and they did not investigate the matter or provide me with the original signed lease or proof that I owe the apartment complex {$9800.00}. XXXX XXXX XXXX just sent me a generic letter on XX/XX/XXXX, via email stating that there will be no change on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : Private XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, XXXX, and Equifax, credit reporting agencies, 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 consists of a personal credit card account opened at XXXX XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX, another credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, another auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a personal loan 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 XXXX credit report. I've attached a list of the accounts in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the fraudulent items. I do not recognize the 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : Private XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, Experian, and XXXX, credit reporting agencies, 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 consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, another credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, another auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a personal loan 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 XXXX credit report. I've attached a list of the accounts in question as well as a copy of the consumer XXXX credit report maintained by you which shows the fraudulent items. I do not recognize the 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 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 2024-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I purchased this vehicle in XXXX. I have made payments for XXXX yrs and due to the interest rate of over XXXX %, my balance owed as of today is over XXXX. My loan amount financed XXXX yrs ago was for XXXX. I pay {$590.00} a month with an additional fee added for online payments to total {$600.00}. have good credit and income now and still CAN NOT get the car refinanced or traded in due to the amount still showing as owed. The car is not worth half of what the financing amount was originally and currently owed. American Credit Acceptance does not refinance and I do not want to extend any payments again because I realize that their practice is not to help me pay off the car but to keep me stuck with paying for this car well after it has XXXX value. It is a XXXX. I just need some assistance on how I can get someone to look into this loan. I feel like they have purposefully set it up for failure and financial struggle.

Company response to consumer: Closed with explanation