vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Between XXXX XXXXXXXX and fighting to survive XXXX I noticed that my request made long ago has still not been corrected. I do not know who reported me as having resided at XXXX XXXX XXXX XXXX XXXX Tx XXXX but as a native to this state I can tell you with certainty that I NOT lived at that address ever nor do I anticipate ever living in that city. 
I have made this known to my legal team as well as some other things that aren't right at this time. Why is it at all the others in this business can get it right but you can't?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
THIS ARE THE ACCOUNTS IN ERROR:

XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX XXXX  Account # XXXX  Date Opened XXXX XXXX XXXX
Balance XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXXSCXXXX XXXX XXXX XXXX XXXX XXXX
Account # XXXX  Date Opened XXXX XXXX XXXX
Balance - XXXX XXXX XXXX XXXX XXXXTXXXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX  Date Opened XXXX XXXX XXXX
Balance XXXX
None Provided

XXXX XXXX XXXX  Account # XXXX
Date Opened XXXX XXXX XXXX
Balance XXXX
None Provided

XXXX XXXX XXXX
Account # XXXX
Date Opened XXXX XXXX XXXX
Balance XXXX
None Provided

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
THIS ARE THE ACCOUNTS IN ERROR:

XXXX XXXX  Original creditor: XXXX XXXX XXXX XXXX XXXX  Account # XXXX  Date Opened XXXX XXXX XXXX  Balance XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX,SCXXXXXXXX XXXX XXXX XXXX XXXX XXXX
Account # XXXX
Date Opened XXXX XXXX XXXX  Balance - XXXX XXXX XXXX XXXX XXXX,TXXXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX  Date Opened XXXX XXXX XXXX
Balance XXXX
None Provided

XXXX XXXX XXXX
Account # XXXX  Date Opened XXXX XXXX XXXX  Balance XXXX  None Provided XXXX XXXX XXXX  Account # XXXX
Date Opened XXXX XXXX XXXX
Balance XXXX  None Provided

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
XXXX XXXX is showing I have a charge off with them for Experian and XXXX only. This is inaccurate and they have not provided validation for the account below. I am requesting that this account be deleted from credit report. 

I need to refile this complaint about Experian. In my own words, Experian has not responded, they have not provided dispute results, they have not conducted an actual investigation, AND they refuse to remove this inaccurate account. Let me also mention they I have sent them multiple pages of my identification requesting that Experian remove inaccurate names and addresses. That was not done. I supplied documents from the creditors and everything. This makes no sense. I've done a lot of research online and I know this is not how disputes are supposed to go. 

Thank you so much, 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 explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
The following credit inquiries are not authorized by me and In Accordance with the FCRA section 611 for inquiries this companies violated my consumer right. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, 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:
The following credit inquiries are not authorized by me and In Accordance with the FCRA section 611 for inquiries this companies violated my consumer right. 
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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, has violated my rights.

15 U.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 a account without my written instructions,

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 2022-12-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Sunday ( XX/XX/XXXX ) - I notice my account is locked. I call Marcus by Goldman Sachs and they have the account unlocked. I go to my account to transfer money and it says there are technical errors and to try again in a few hours. 

Monday ( XX/XX/XXXX ) - I am still receiving the same error so I open a chat. The chat representative tells me I have a no debit hold on my account. They tell me to call XXXX Tuesday ( XX/XX/XXXX ) - First call : I call at XXXX and explain the situation. After waiting an hour, she informs me that there is a garnishment placed on my account. Then, I call the IRS and I'm informed that it shows no debt on my account ( both through the IRS and private ). 

Second call : I call and within 10 minutes, the representative tells me I have access to my funds. I hang up and immediately try to transfer money and get the same message. 

Third call : I speak with an agent who takes 30 minutes to tell me that I have a garnishment on my account. Then, I have to wait another 30 minutes to speak to a supervisor who told me to check my credit with a credit bureau. 

After checking the credit bureau, there is still zero sign of any debt that I am unaware of. All loans and credit cards have been paid off on time. Marcus has been completely unhelpful in getting me the information or source of the garnishment. In total, I spent over five hours on the phone trying to figure out this problem today and I still have zero answers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
In accordance with 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 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 XXXXXXXX, has violated my rights.

15 U.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 a 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 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 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
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The names and addresses showing on my credit report are incorrect and would like to get help removing this off my credit report. Please and Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
THE HOME DEPOT/CBNA last reported a late payment on XX/XX/ for an account in the amount of {$330.00} XXXX XXXX last reported a late payment on XX/XX/ for an account Im the amount of {$320.00} XXXX XXXX XXXX last reported a late payment on XX/XX/ for an account in the account of {$810.00} XXXX XXXX XXXX last reported a late payment on XX/XX/ for an account in the account of {$530.00} XXXX XXXX last reported a late payment on XX/XX/ for an account in the amount of {$220.00} In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Reporting agency is reporting inaccurate information on my credit report and did not properly answer or correct the inaccurate information nor did I receive an alert of accounts being reinvestigation into this matter.Under 15 USC section 1681 i ( a ) if your company can not provide proof of these being accurate with no missing information these accounts should be deleted immediately! These Accounts are not in compliance to XXXX XXXX standards.Accounts are as follows, 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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Reporting agency is reporting inaccurate information on my credit report and did not properly answer or correct the inaccurate information nor did I receive an alert of accounts being reinvestigation into this matter.Under 15 USC section 1681 i ( a ) if your company can not provide proof of these being accurate with no missing information these accounts should be deleted immediately! These Accounts are not in compliance to XXXX XXXX standards.Accounts are as follows, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with 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 XXXXXXXX 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 XXXXXXXX has violated my rights. 

15 U.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 a 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 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 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
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In accordance with 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 : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

15 U.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 a 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 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 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 explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX, has violated my rights. 15 U.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 a account without my written instructions.

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 2022-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
On XX/XX/2022 at XXXX pm, ALL of my assets with the Gemini Trust Company , LLC, were transferred out of my account, without my authorization. I do not know the destination of the assets, and despite XXXX emails to their customer service, ( XXXX ) Gemini has made no effort to track the assets or identify the thief. 

The amount of the assets were approximately {$16000.00} in digital currencies and {$4900.00} in XXXX dollar cash. ALL the funds were withdrawn on XX/XX/XXXX. 

I would be grateful if you could tell me the next step to take in pursuing these stolen assets. 

thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
United Revenue Corporation has violated my rights according to 15 U.S.C 1692g- Validation of debts section ( a ) Notice of debt Contents, also 15 U.S.C 1692g- Validation of debt section ( B ) Disputed debts. I am disputing the following accounts XXXX, XXXX, XXXX. I sent my dispute letter Via XXXX certified mail tracking number XXXX it was delivered XX/XX/2022. I did not receive any return mail within 5 business days after XXXX received my dispute to acknowledge that their company has received my dispute and or working to investigate it. Nor did I receive any documentation as to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Transform Credit Inc.
State: OR

Complaint narrative:
I had a family emergency a couple months ago and I needed to get some money pretty fast. I applied for a loan but couldnt receive XXXX as I didnt have a co-signer. The company never gave me any money but still charged me for a loan I never received. I was able to find a company near me when I applied for it. But now I cant find XXXX at all, and XXXX cant get ahold of the company regarding this issue. Ive called multiple times, emailed, tried to contact XXXX to see what my options are and I still have not found a solution. I dont and will not pay for a loan I never received. Its wrong and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
My mortgage payments with Loancare LLC were made on time as well as extra payments to loancare because they claimed that my payments are being returned due to insufficient funds by my bank. I have had my bank, the XXXX XXXX XXXX XXXXXXXX XXXX XXXX verify, double verify and triple verify that the funds are being received by loancare and have provided the transaction ID numbers for each transaction. 

I have called loancare on almost a daily basis for the past 6 months and during the last phone conversation with the customer service representative, he informed us ( my father and I ) that the error was on their part. 

Since then, I have made one payment to loancare on XX/XX/2022 before its due date which would have been XXXX the XXXX 2022. They are saying that they have not received the payment either. 

They have investigated this matter every month that I have called to straighten this out and yet it continues to happen. Right now there are thousands of dollars of mortgage payments that loancare has not applied to my account. Needless to say, this has caused an extreme amount of stress because they have threatened foreclosure. The funds have not been returned to my account with XXXX nor was I charged any returned fees by them, This has destroyed my credit as well as my fathers credit because he is the cosigner on the loan. It has destroyed the relationship between the two of us because he feels that the error is on my part. 

This is not fair to me at all. I am a XXXX XXXX  With sever XXXX and this matter during the past half a year has sent me into really dark places. Loancare began harassing me claiming that I am in default and began sending people to my house knocking on my door and ringing my doorbell scaring my XXXX XXXX XXXX XXXX  son in the house because we are not expecting anyone and it happens in the early morning!. This has happened on more than one occasion!

I am paying my mortgage and have been since day one of this loan. I have attached documents of my bank statements with the transaction ID numbers for your viewing. 
I am reaching out because they are jeopardizing my home and my family. If I am sending them money electronically every month and can show proof that they are receiving it yet its not being applied towards my mortgage, isn't that considered wire fraud? How is loancare able to get away with this? 
I will also be forwarding this to the North Carolina State Attorney Generals Office as well as the Federal Trade Commission and the Banking Authority of the state of North Carolina. 

If you look at the screenshot from loancare that i have attached, you will see the date that shows when the next payment is due. Today 's date is XXXX the XXXX. They cant even keep their own website right or updated properly. 

Please help!

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