vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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:
I am writing to urgently address several serious inaccuracies and unauthorized accounts/information that have recently appeared on my credit report. Upon reviewing the report, I was shocked to discover these discrepancies, which are not only incorrect but have also caused significant harm to my financial well-being and credit health. These errors are damaging and unacceptable, and I implore you to take immediate action to rectify them. The impact on my life and credit score is severe, and I expect a prompt resolution of 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 2024-11-13 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: FL

Complaint narrative:
I am writing to urgently address several serious inaccuracies and unauthorized accounts/information that have recently appeared on my credit report. Upon reviewing the report, I was shocked to discover these discrepancies, which are not only incorrect but have also caused significant harm to my financial well-being and credit health. These errors are damaging and unacceptable, and I implore you to take immediate action to rectify them. The impact on my life and XXXX XXXX is severe, and I expect a prompt resolution of 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 explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VI

Complaint narrative:
on XX/XX/year> I submitted my valid request to the credit reporting agencies that I am a victim of Human Trafficking and according tot he FCRA 605C all negative items should be blocked and deleted from my credit report within 4 days. I've submitted my attestations form, statement stamped and sealed by a government agency and my ID for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I am writing to file a formal complaint against Apple Card by Goldman Sachs regarding a series of unauthorized actions and subsequent mishandling of my dispute, which has caused significant financial harm and frustration. 
On XX/XX/XXXX, I used my Apple Card to purchase a phone from XXXX XXXX XXXX with a fourteen-day return policy. However, on XX/XX/XXXX, an XXXX XXXX XXXX employee accessed my AT & T mobile account without my authorization, and changes were made to my account. As a result, AT & T took the phone I had paid for with my Apple Card and refused to return my money. 
I attempted to resolve this issue with XXXX XXXX XXXX several times but could not find a resolution. 
Consequently, following the Fair Credit Billing Act ( XXXX ), I disputed the transaction on my Apple Card. Unfortunately, Apple Card by Goldman Sachs refused to credit my account and failed to provide adequate reason or evidence for this action. Additionally, they reported a derogatory mark on my credit profile, which has severely impacted my creditworthiness. 
As a result of this inaccurate and unlawful reporting, I was denied a financial service that I had worked hard to receive over the past several years. On XX/XX/XXXX, I sent a dispute letter to Apple Card by Goldman Sachs, but they failed to acknowledge, investigate, and respond to my dispute. Instead, they reported the disputed amount as delinquent to all credit bureaus, violating the Fair Credit Reporting Act ( FCRA ) and deliberately causing further financial damage and frustration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
The company that I am filing the complaint is called " XXXX ''. There is a XXXX account on my Transunion report that I was not aware of or heard of. I am a victim of fraud identity/thief. They or someone have used my information and applied for a line of credit. I have never heard of this company before and have never applied for a line of credit with this company. I need to report this as a fraud/scammers company and have it removed from my credit report immediately as it is affecting my credit score.

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 2024-11-13 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Reached out to the company several times over the past year or so to receive information about a charge off and account status because account was supposedly sold but still reporting as open as of recently but with a past due amount but another company now owns debt and I was told there is nothing upstart is collecting on or can do. Upstart failed to send documentary evidence of sale of account or transfer information and also charge off info, failed to answer a formal affidavit and dispute and failed to send FULL, ORIGINAL, and/or UNALTERED documentation that specifies credits, tax liabilities, discharge of debt, bonds, and or securities as they are applicable to this account. Also failed to answer arbitration claim which is in our contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: KY

Complaint narrative:
Reached out to the company several times over the past year or so to receive information about a charge off and account status because account was supposedly sold but still reporting as open as of recently but with a past due amount but another company now owns debt and I was told there is nothing upstart is collecting on or can do. Upstart failed to send documentary evidence of sale of account or transfer information and also charge off info, failed to answer a formal affidavit and dispute and failed to send FULL, ORIGINAL, and/or UNALTERED documentation that specifies credits, tax liabilities, discharge of debt, bonds, and or securities as they are applicable to this account. Also failed to answer arbitration claim which is in our contract.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2024-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I took out this loan assuming it was from a bank. I fell behind on payments and started to review the loan. The online statements which they dont send out, only show a balance and fees. No interest yet it looks like they are charging interest in excess of 200 % or more. I found out today that XXXX XXXX XXXX are not licensed to lend in my state. Net Credit has also stopped lending now in Washington XXXX. I also found out that company was downgraded by the FDIC in XX/XX/XXXX after they were found to make predatory loans and charge illegal rates in states they were not liscensed to lend in. Yet, they stated lending to me a loan in XX/XX/XXXX and made other small loans after that. The loans I took out with them totaled {$4500.00} over the course of 17 months. The fees alone in XXXX were {$2400.00}. I made {$4100.00} in payments during this time. My balance as of XX/XX/XXXX is {$3700.00}. In total {$370.00} went to principal in 17 months. This seems like a bank using predatory lending. My account is in collections. They call daily multiple times and they are reporting the account as delinquent on my credit report. The company should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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.
State: MO

Complaint narrative:
My credit report contains some late payment records that are inconsistent with my usual payment habits. Please correct these errors and update my account accordingly.

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 2024-11-13 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: NJ

Complaint narrative:
I am writing to formally dispute several fraudulent accounts that have been identified on my credit report. I am a victim of a data breach and identity theft, and I am requesting that these accounts be blocked and permanently removed from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Please find below the details of the fraudulent accounts that I have identified : XXXX Accounts : XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$5900.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$980.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$6500.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$3600.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$4400.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX # XXXX XX/XX/XXXX XXXX. XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiries XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
On XX/XX/year>, I made a {$5500.00} payment towards my mortgage. I do not feel that this was a necessary or legitimate payment. However, I was told that this is the only way I could bring my account up to date. I made the payment to protect my credit report while I planned to work with PennyMac to resolve the erroneous late fees and correct the payments made to date. 

This payment was received by PennyMac but was not applied to my account correctly or in a logical manner. 

Only {$5100.00} is showing in my payment history. There are 5 rows on my loan activity, none of which make sense. This occurs every month with PennyMac applying our payment amounts incorrectly. Due to the mismanagement of this account and the misapplication of payments, our credit report now shows a delinquent account and late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-13 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: AL

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-13 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:
These accounts are past statue of reports and needs to be removed off all 3 credit bureaus. Equifax, XXXX, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$620.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance {$7000.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$11000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$9700.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  Balance {$6200.00} Date Opened XX/XX/XXXX XXXX XXXX {$5600.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$4500.00} Date Opened XX/XX/XXXX XXXX XXXX {$2000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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:
These accounts are past statue of reports and needs to be removed off all 3 credit bureaus. Equifax, XXXX, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$620.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$7000.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance {$11000.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$9700.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  Balance {$6200.00} Date Opened XX/XX/XXXX XXXX XXXX {$5600.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$4500.00} Date Opened XX/XX/XXXX XXXX XXXX {$2000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief