vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 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: OH

Complaint narrative:
In XXXX of 2023 my Apple Card with Goldman Sachs was compromised through a text message scheme wherein I was contacted by someone that was allegedly " with UPS. '' They said that they had a package for me and I needed to pay a nominal re-delivery fee to have the package re-delivered. I provided them with my Apple Card XXXX Goldman Sachs credit card number. A few days later I saw a charge on the same credit card that I did not make. The charge was for {$1700.00} and it was with XXXX XXXX. I immediately contacted Goldman Sachs to dispute the charges. They opened a dispute and then contacted me a month later stating that the charges were accurate and my responsibility. Like it was some sort of evidence that these charges were legitimate, Goldman Sachs sent me a flight manifest with the name of the passenger, who I do not know, showing the flights that were booked and flown. The passenger 's name is XXXX XXXX XXXX. He flew from XXXX to XXXX on XX/XX/XXXX and returned to SFO from XXXX on XX/XX/XXXX. I do not know him and I most certainly did not authorize the credit card charges. I have filed a police report with XXXX XXXX indicating this. Goldman is saying that someone accepted the terms and conditions and approved a non-refundable flight when booking and, as a result, the charges are legitimate and my responsibility. Again, someone stole my card number and they were the one to purchase the airfare and accepted terms & conditions for the non-refundable flight. I did not. I immediately opened the dispute again in XXXX. Goldman came back with the same response. So I opened the dispute again in XXXX. And again in XXXX. And again in XXXX. And again in XXXX. Goldman keeps claiming that I am responsible for these charges though I clearly did not make this purchase, I did not know about this purchase, I do not know the person who traveled, etc. This is a simple case of credit card theft. The current complaint # with Goldman Sachs is XXXX and the current Dispute ID is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX Own.Lease made a hard inquiry, on XXXX XXXX XXXX XXXX made a hard inquiry, on XX/XX/XXXX XXXX XXXX made a hard inquiry. I was unaware and did not authorize these inquiries and a identity theft report was filed, included in 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 2024-02-13 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: NJ

Complaint narrative:
I thoroughly reviewed again my credit report and I can still see the unverified and erroneous item that need reporting and correction through your company. The item below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-13 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: IL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/year> I was made aware inquires and one credit account was fraudulently on my credit report. I was told to mail in correspondence, and I received a stall letter stating send a ID with social security card which I included in first letter to company. Still got no response. I am a victim of identity theft and I have been treated unfairly by the company when trying to resolve the issue.

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 2024-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I thoroughly reviewed again my credit report and I can still see the unverified and erroneous items that need reporting and correction through your company. The List of items below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX XXXX  - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX XXXX  - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX XXXX XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX have violated my rights. 

15U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.

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 2024-02-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-02-13 00:00:00
Product: Credit reporting 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:
They are reporting late payment I. XXXX when balance was taking cared of and they stated over phone they would send me documents so I can send and update credit bureau and they send me 3 different types of documents they dont update the credit bureau with correct information and send me 3 different types of document it showes I was never late nor had a balance but they they report negatively. I asked that they update and remove the late payment that is affecting my score when I have requested so and they said they would and they do the contrary.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
They are reporting late payment I. XXXX when balance was taking cared of and they stated over phone they would send me documents so I can send and update credit bureau and they send me 3 different types of documents they dont update the credit bureau with correct information and send me 3 different types of document it showes I was never late nor had a balance but they they report negatively. I asked that they update and remove the late payment that is affecting my score when I have requested so and they said they would and they do the contrary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Multiple attempts to have accurate information on my credit file resulting in inaccurate verification through the credit bureau and the creditor. I have received nothing to corroborate this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I sent a letter to Capital One and they have not responded or rectified the issue. 



Late payment from XX/XX/2019 is reporting and not in accordance with the provisions outlined in the 15 U.S. Code 1681a.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: NJ

Complaint narrative:
I sent a letter to XXXX XXXX and they have not responded or rectified the issue. 



Late payment from XX/XX/year> is reporting and not in accordance with the provisions outlined in the 15 U.S. Code 1681a.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2024-02-13 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express is telling me to locate this new credit card that I never received because I did not authorize opening an additional Gold card to be opened. I don't even know the account number or call the number on the back of a card that I haven't received. 

According to Fair Credit Reporting Act, American Express needs to report accurate information and this new account was never opened with my permission. As a result, this card needs to be cancelled and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am unable to view my Equifax Report or Scores. I have submitted a complaint a few months ago with regards to this same issue. Please help. Why can't I see my Equifax report or scores. 

There are also incorrect address reportings on XXXX and 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 Incorrect Employer Information XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have an account reporting that is not my account : XXXX XXXX XXXX ; This may be reporting on my credit file in error, please help me get this removed. I am in the process of trying to purchase a home and the fact that I can't see my Equifax and these other scores is holding me up.

I don't know what else to do. Equifax is not showing my report and this has been going on for more than a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
I am trying to refinance a student loan through MEFA, the MA Educational Finance Authority. I am a MA resident. I did the application today as well as in XX/XX/year> and keep getting denied. 

The denial letter states : " Thank you for your request for prequalified rates from MEFA. We have recently reviewed your credit eligibility based on the information youve provided us coupled with the information obtained in a report from the consumer reporting agency, and at the time, we are unable to present you with prequalified rates. The principal reason ( s ) for this determination is ( are ) : Education debt to be refinanced must be in repayment and have consecutive on-time payments in the most recent 6 months and no delinquencies on education debt in the previous 12 months. '' I contacted XXXX and recieved my full credit report. I do not, in fact, have any delinquencies or missed payments on the credit report ( attached ). I asked MEFA via email and phone for them to review my credit report to see that they are improperly denying me. They refuse to do so. MEFA said I need to dispute the incorrect information with XXXX. But there is no incorrect information to dispute. Per the credit report that XXXX provided, there are no delinquencies or missed payments. I'm going around in circles. 

You can see in the email chain that MEFA uses a third party Credible to do the soft credit pull. I also haven't had any luck speaking with a human at Credible. I need help. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was looking at my report and noticed there were some things that was not correct. I sent a letter to Experian on XX/XX/2023. But it has been more than 35 days since the credit bureaus havent responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
They are reporting late payment I. XXXX when balance was taking cared of and they stated over phone they would send me documents so I can send and update credit bureau and they send me 3 different types of documents they dont update the credit bureau with correct information and send me 3 different types of document it showes I was never late nor had a balance but they they report negatively. I asked that they update and remove the late payment that is affecting my score when I have requested so and they said they would and they do the contrary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: FL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation