vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit Management has been reporting a debt on my credit report, and they have provided a court judgment to pursue wage garnishment. However, I believe there are issues with their ability to legally enforce this judgment. Additionally, I am concerned that the judgment may not have been obtained or assigned properly, and Midland has failed to provide sufficient documentation to prove their legal right to enforce it. Despite the removal of Midland from my credit report, they continue to threaten wage garnishment, creating an undue financial burden and stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: TX

Complaint narrative:
Subject : Request for Review and Resolution of Unpaid Chargebacks To Whom It May Concern, DATE FILED : XX/XX/year> Re : Bureau Orders Against Goldman Sachs Bank USA and Apple Inc.

I am contacting you regarding a matter involving my previous disputes on my Apple Card credit account. Despite receiving chargebacks from the merchant ( s ) involved, Goldman Sachs has not credited my account with the appropriate amounts.

As indicated in the recent Consumer Financial Protection Bureau ( CFPB ) orders dated XX/XX/year>, against both Goldman Sachs Bank USA and Apple Inc., I am formally requesting a comprehensive review of my account history. Specifically, I ask Goldman Sachs to reconcile all disputed charges and chargebacks to ensure I have been properly credited as required. 

If this review does not result in resolution, I am prepared to escalate this matter by submitting all supporting evidence and correspondence to CFPB, as well as requesting additional consideration for settlement due to the continued lack of resolution. 

Additionally, I am requesting that CFPB send any updates regarding potential settlements related to my case directly to my email. 

Thank you for your prompt attention to this matter. I look forward to your response and the necessary action to address these discrepancies. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: NM

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THISITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My account with Barclay US Credit card XXXX XXXX XXXXXXXX XXXX XXXX. 
Statement dated XXXX XXXX to XX/XX/year> Balance was {$3300.00} and an {$3300.00} was paid on the due date ( for reason unknown I paid {$82.00} less ) and I incurred interest of {$54.00} the next month. The Supervisor explained me and that's what I understood that I was charged interest on the whole amount of {$3300.00} of which they received {$3300.00} on the due date. Although I was credited {$54.00} back to my account and I closed that account but I feel this is highway robbery. When the Banks or my credit Balance with the credit cards must also carry the same way of calculation method and I should be paid. 
The credit card companies must be asked to explain their interest calculation method before issuing credit card and explaining to the consumer. They should not be allowed to rob people. I demand all the interest back

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 2024-10-27 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: MI

Complaint narrative:
Ive been a victim of identity theft. I have fraudulent accounts on my credit report. I am not liable for this debt. Im attaching my drivers license, my social security card, and my identity theft report. 

XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : 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 explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
My mortgage was given a forbearance and in XXXX I started calling my single point of contact XXXX XXXX. I called my single point of contact multiple times but NEVER received a return call. I called and left voicemails on the following days : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. NONE of these calls were returned. I also left vm on her direct line of ( XXXX ) XXXX. I finally was able to reach XXXX when she randomly answered the ( XXXX ) XXXX phone number on XX/XX/XXXX. When I challenged her on when she supposedly called me, I was told " Oh we are not playing that game! '' Then I was put on 15min hold! This is unacceptable to give me a single point of contact who never returns calls. After speaking with XXXX she told me she has no way to check voicemails. Even if that is the case, a message was left for her by XXXX XXXX on XX/XX/XXXX to call me. He told me she had 24 hours to return my voicemails. I also told him to report if the IVR systems was having issues routing calls that needed to fixed. I am documenting this because on XX/XX/XXXX I was locked out of my account and now can't make payments. This was never disclosed to me. The delay in her answering my calls has made it difficult to understand what my options are to resolve this. I received a letter saying I had been approved for workout plan, but I don't know the details of that " workout ''. I was able to make 2 payments in XXXX XX/XX/XXXX & XX/XX/XXXX. I submitted documents on XX/XX/XXXX to the loss mitigation email and didn't receive any phone call in 3 days as your policy states if something is missing. I have emailed loss mitigation email and also the Shellpoint portal, no response. On XX/XX/XXXX I spoke with XXXX and she was submitting me for a deferment- why this wasn't offered back on XX/XX/XXXX? I had to make 3 payments + fess ( she couldn't tell me the amount of the fees! ) She told me I wouldn't get a second chance and that when she called, I need to make the payment! I received NO update on that deferment from XXXX or Shellpoint. On XX/XX/XXXX I got a letter in the mail saying I owe {$12000.00} by XX/XX/XXXX or Foreclosure and that I need to call their office before I send payment. I again called on XX/XX/XXXX ( 3 voicemails left and sent emails ) XX/XX/XXXX 2 more voicemails. I have repeatedly asked XXXX for a Foreclosure date and told she doesn't have that. When I called on XX/XX/XXXX I was told I wasn't near foreclosure and not to worry. THIS COMPANY IS COMPLETELY UNETHICAL!!

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 2024-10-27 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: AL

Complaint narrative:
To my shock, I discovered inaccurate accounts on my credit report today, and I have no idea how they got there. Ive checked my credit report as usual, but this time, it included entries that dont belong. I tried refreshing the page, thinking it might be a browser error, but nothing changed. I am now requesting a thorough review of the documents I sent so I can avoid this frustration in the future.

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 2024-10-28 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: TX

Complaint narrative:
I have been requesting validation of proof of the debts, negative accounts anything that has been affecting my credit since XXXX XXXX XX/XX/year>. I have been receiving responses from them, but just send me generic responses from all three bureaus with no proof of the alleged debt. I also have included several other requests with no validation of any debt they are reporting. I have attached the correspondence I've received and the letters I have sent. These are the accounts listed that I have been requesting to get removed/deleted from my credit. 
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

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 2024-10-27 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c2 ), that you, The XXXX, Equifax, 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 personal credit card accounts opened and collections accounts opened. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of all accounts and inquiries in question as well as a copy of the fact that my personal information was impacted by the Equifax Data Beach. I do not recognize the aforementioned accounts, collections, or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my 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. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is refused me access to my accounts. I had to open a second one and they removed access to that one as well. They have been letting other people utilize my accounts who have XXXX. This is XXXX XXXX, discrimination, and in my financial state, cruel and unusual punishment. Again, I will not do anything morally or ethically questionable or wrong in order to access my accounts.

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 2024-10-28 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: TX

Complaint narrative:
delete inquires and associated accounts from my credit report all that were listed

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 2024-10-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
delete inquires and associated accounts from my credit report all that were listed

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 2024-10-28 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: NM

Complaint narrative:
I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX La XXXX XXXX XXXX XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX XXXX XXXX, XXXX XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, TX, 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 2024-10-28 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: NM

Complaint narrative:
I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX La XXXX XXXX XXXX XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX XXXX XXXX, XXXX XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, TX, 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 explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I transferred {$9000.00} of my American Express balance to XXXXXXXX XXXX on XX/XX/XXXX. XXXXXXXX XXXX has added {$9000.00} to my balance by Amex hasnt credited a {$9000.00} to my account. I have contacted Amex and they dont seem very concerned about it, but I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Delete account : XXXX XXXX XXXX : # XXXX, ACCOUNT : XXXX XXXX : # XXXX from my credit report because of multiple violations of the fair credit reporting act., violated my rights. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: OH

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. ACCOUNT : Delete account : ACCOUNT : XXXX XXXX XXXX : # XXXX, ACCOUNT : XXXX XXXX  : # XXXX, ACCOUNT : XXXX XXXX : # XXXX. Also please remove the following INQUIRY : XXXX  XXXX XX/XX/XXXX, from my credit report because of multiple violations of the fair credit reporting act., violated my rights. I looked at my Transunion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 information 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