vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I have an online account with XXXX, a division of Goldman Sachs. A few days ago I set up a transfer of all funds to another bank 's savings account with higher interest. This morning I got a call from XXXX and was told to call back. I did and was told to hold for XXXX minutes so the rep could look into what the call was about. I was on hold for 20 minutes and finally gave up and hung up. Tonight I tried to log into my online account to see if my fund transfer was still in progress and I had been locked out of my account! I called XXXX again DURING THE HOURS I WAS TOLD TO CALL IN and this agent agent did not know why my account was locked nor why I could not access my funds. She could not get hold of a XXXX to explain or fix it even though I call during the hours I was instructed to call in. She told me to call back AGAIN tomorrow. 

I suspect that they are holding my money to force me to keep the account open at least until they can " sell '' me on keeping the funds with them. 

This is outrageous. If I needed those funds ( MY money ) urgently, this could be very damaging to my wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2500.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}.

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 2022-09-13 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: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2500.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX  XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}

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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this CFPB Complaint regarding my request for the Credit Bureaus to remove the dispute fraudulent information reporting on my Credit Report. I previously sent an FTC dispute letter addressed to the Credit Bureaus on XX/XX/2022 requesting that the Credit Bureaus remove the fraudulent items from my Credit Report. However, upon checking my updated Credit Report, it is clear that the Credit Bureaus have not yet complied with my request. Once again, I was a victim of identity theft and I have read that the Credit Reporting Agencies are required to remove any accounts and information that was incurred due to identity theft. I never received anything as benefits as a result of my identity being stolen, neither did I initiate in opening this accounts. I never authorized anyone to use my personal information. Under the FCRA XXXX XXXX, I am submitting this CFPB complaint to request the Credit Reporting Agencies to remove the following fraudulent items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX OF XXXX XXXX Balance : {$7200.00} DP OF XXXX XXXX Balance : {$3100.00} DP OF XXXX XXXX Balance : {$10000.00} DP OF XXXX XXXX Balance : {$6800.00} DP OF XXXX XXXX Balance : {$8100.00} DP OF XXXX XXXX Balance : {$3300.00} DP OF XXXX XXXX Balance : {$9400.00} DP OF XXXX XXXX Balance : {$7100.00} DP OF XXXX XXXX Balance : {$460.00} DP OF XXXX XXXX Balance : {$3900.00} DP OF XXXX XXXX Balance : {$1600.00} DP OF XXXX XXXX Balance : {$5600.00} DP OF XXXX XXXX Balance : {$8300.00} DP OF XXXX XXXX Balance : {$6700.00} DP OF XXXX XXXX Balance : {$1500.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX AUTO XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022. The Credit Bureaus continued reporting the fraudulent items which a clear violation of a consumer 's rights under the FCRA section XXXX. If the Credit Bureaus claim that the disputed items belong under my name, I will the Credit Bureaus to provide me copies of proof of verification bearing my signature. If the Credit Bureaus can not prove that the disputed items belong to me, I need the disputed items deleted as soon as possible.

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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an account left that need to be removed or Block. Per FCRA section 605 you are required to remove any account listed on ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$10000.00}

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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, 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:
I am submitting this CFPB Complaint regarding my request for the Credit Bureaus to remove the dispute fraudulent information reporting on my Credit Report. I previously sent an FTC dispute letter addressed to the Credit Bureaus on XX/XX/2022 requesting that the Credit Bureaus remove the fraudulent items from my Credit Report. However, upon checking my updated Credit Report, it is clear that the Credit Bureaus have not yet complied with my request. Once again, I was a victim of identity theft and I have read that the Credit Reporting Agencies are required to remove any accounts and information that was incurred due to identity theft. I never received anything as benefits as a result of my identity being stolen, neither did I initiate in opening this accounts. I never authorized anyone to use my personal information. Under the FCRA section 605b, I am submitting this CFPB complaint to request the Credit Reporting Agencies to remove the following fraudulent items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX DP OF EDUC XXXX Balance : {$7200.00} DP OF EDUC XXXX Balance : {$3100.00} DP OF EDUC XXXX Balance : {$10000.00} DP OF EDUC XXXX Balance : {$6800.00} DP OF EDUC XXXX Balance : {$8100.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$9400.00} DP OF EDUC XXXX Balance : {$7100.00} DP OF EDUC XXXX Balance : {$460.00} DP OF EDUC XXXX Balance : {$3900.00} DP OF EDUC XXXX Balance : {$1600.00} DP OF EDUC XXXX Balance : {$5600.00} DP OF EDUC XXXX Balance : {$8300.00} DP OF EDUC XXXX Balance : {$6700.00} DP OF EDUC XXXX Balance : {$1500.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. The Credit Bureaus continued reporting the fraudulent items which a clear violation of a consumer 's rights under the FCRA section 605b. If the Credit Bureaus claim that the disputed items belong under my name, I will the Credit Bureaus to provide me copies of proof of verification bearing my signature. If the Credit Bureaus can not prove that the disputed items belong to me, I need the disputed items deleted as soon as possible.

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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this CFPB Complaint regarding my request for the Credit Bureaus to remove the dispute fraudulent information reporting on my Credit Report. I previously sent an FTC dispute letter addressed to the Credit Bureaus on XX/XX/2022 requesting that the Credit Bureaus remove the fraudulent items from my Credit Report. However, upon checking my updated Credit Report, it is clear that the Credit Bureaus have not yet complied with my request. Once again, I was a victim of identity theft and I have read that the Credit Reporting Agencies are required to remove any accounts and information that was incurred due to identity theft. I never received anything as benefits as a result of my identity being stolen, neither did I initiate in opening this accounts. I never authorized anyone to use my personal information. Under the FCRA section 605b, I am submitting this CFPB complaint to request the Credit Reporting Agencies to remove the following fraudulent items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX DP OF EDUC XXXX Balance : {$7200.00} DP OF EDUC XXXX Balance : {$3100.00} DP OF EDUC XXXX Balance : {$10000.00} DP OF EDUC XXXX Balance : {$6800.00} DP OF EDUC XXXX Balance : {$8100.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$9400.00} DP OF EDUC XXXX Balance : {$7100.00} DP OF EDUC XXXX Balance : {$460.00} DP OF EDUC XXXX Balance : {$3900.00} DP OF EDUC XXXX Balance : {$1600.00} DP OF EDUC XXXX Balance : {$5600.00} DP OF EDUC XXXX Balance : {$8300.00} DP OF EDUC XXXX Balance : {$6700.00} DP OF EDUC XXXX Balance : {$1500.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. The Credit Bureaus continued reporting the fraudulent items which a clear violation of a consumer 's rights under the FCRA section 605b. If the Credit Bureaus claim that the disputed items belong under my name, I will the Credit Bureaus to provide me copies of proof of verification bearing my signature. If the Credit Bureaus can not prove that the disputed items belong to me, I need the disputed items deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Malacko Law Office
State: IA

Complaint narrative:
XX/XX/2021 Ambulance call XXXX Veteran wanted to be taken to the XXXX VA Ambulance they dont have an ER so they would not take me to the VA They do have an ER I get all my care there I refused service, I was taken by my wife to the VA Anxiety problems was the diagnosis XXXX XXXX XXXX ( XXXX ) XXXX Debt collector I was billed {$290.00} # XXXX I feel that is terribly wrong No treatment /refused service No transport Im less than a mile away Besides already XXXX I was admitted to the VAMC ( through the ER ) form XXXX XXXX with XXXX XXXX XXXX Now no job and 30 % XXXXXXXX XXXX I know that means nothing to them but its just more hardship for me Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: DE

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the XXXX of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX XXXX. XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX. XXXX. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-13 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: GA

Complaint narrative:
The Credit Reporting Agencies claimed the previously disputed accounts as verified and continued reporting the erroneous accounts on my Credit Report. I am submitting this CFPB complaint today in response to the recent investigation conducted by the Credit Reporting Agencies. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question. FCRA Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the 3 credit bureaus to validate these accounts ( A ) in a timely manner. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2022-09-13 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: GA

Complaint narrative:
The Credit Reporting Agencies claimed the previously disputed accounts as verified and continued reporting the erroneous accounts on my Credit Report. I am submitting this CFPB complaint today in response to the recent investigation conducted by the Credit Reporting Agencies. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question. FCRA Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the 3 credit bureaus to validate these accounts ( A ) in a timely manner. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: DE

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation