vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 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: SC

Complaint narrative:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
This is the second complaint that I am writing in regards to Vystar credit union. I called the bank this morning as we got back from a cruise and they knew about it because i told them and they saw all the withdrawals and payment that was done to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. My dispute was not with any of these companies. I called to dispute about two companies that stole my money for services XXXX XXXX and XXXX. I never received any items from them. I went and tried to get back my money from the first one XXXX XXXX for the {$700.00} theft and they declined the individuals and XXXX XXXX have not gotten back with me. The second company XXXX who took an amount of {$1400.00} in three different transactions And I never received anything from them. 
Now what got me is the fact that I called Vystar and waited on the phone for about 45 minutes before they answered just to ask why no one called me back and also to find out how I can get another debit card because I have two direct deposit that goes to this account my VA and Social Security XXXX and my dispute had to do with services and items I never received and did not authorize, and they also had blocked the transactions because they probably had an issue with other customers with these companies. 
We are currently in XXXX at my mothers house due to the fact my wife had XXXX XXXXXXXX and she will begin her XXXX XXXX  at the XXXX XXXX and we will not be able to go back home right now XXXX XXXX XXXX, so when they told me that my account is not able to receive a XXXX I said wow and why, the agent told me that is the note that is written in the account and that the fraud department is currently closed. The bank was closed for the XXXX and i couldnt communicate right away with them due to internet issues on the XXXX and also they were closed for sunday and monday, so early this morning XXXX the XXXX I made sure I called and spoke with the card division and they told me that they will close the cards and investigate the duispute. I am dissapointed that Vystar will go to this extreme to deny me of a card that I ask If they can send to me at my mothers house due to our current situation and again the dispute was not fault it was by two companies. 
My dispute or claim number is 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 2023-01-03 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: WA

Complaint narrative:
To whom this XXXX concern, In accordance with the fair credit Reporting Act XXXX  Account # XXXX, in the amount of 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 602 A. Section 2 : also states a consumer reporting agency can not furnish a account without my written instruction.

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 2023-01-03 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: EQUIFAX, INC.
State: WA

Complaint narrative:
To whom this XXXX concern, In accordance with the fair credit Reporting Act XXXX  Account # XXXX, in the amount of 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 602 A. Section 2 : also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I was charged {$300.00} from XXXXXXXX XXXX XXXX and after receiving leads the leads were not leads!! I attempted to contact a few of the names and was unable to reach leads, but there was two or three that I was able to reach and was to that they were on line looking into XXXX but did not ask for any information at this time. I complained to XXXX 's and they did credit me for a couple of the leads but refused to do so for the other names that I had asked to be credited I was told I reached the limit. I asked to refund my money since I was not able to talk to ANY prospective buyers. Iwas told that i was not able since I was over the 72-hour cancelation window. 
I then put a call into Barclays ( my credit card provider ) to file a complaint, they suspendered the charge at the time, but upon their investigation then found in the merchant 's favor. I again reach out to Barclays I reached the dispute department but was told that since they had found in the favor of the merchant, and they could not do anything more. I explained that what the merchant told me was not what I received, and I am not paying for fraudulent agreement. I was told to mail the complaint to Barclys ( since I was not allowed to talk to a supervisor ) I can only send a letter of which I did. I should not be responsible for a service that is not what I agreed on. I am asking that some can help me resolve this issue on my behalf.

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 2023-01-03 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:
Transunion and XXXX is still reporting an account on my credit file my XXXX XXXX XXXX. If Transunion and XXXX review the response from XXXX XXXX XXXX from Consumer Financial protection bureau XXXX XXXX XXXX XXXX XXXXXXXX. Response was submitted by XXXX XXXX XXXX on XX/XX/2022 which states they dont own the account and according to the Fair Credit Report Act if you dont own the account you can not report any accounts the someones XXXX file. XXXX XXXX XXXX has not right to report this account. This is a serious and fraudulent account that you all are allowing XXXX XXXX XXXX to report. I have attached a copy of their response which states they are trying to collect on the behalf of someone else. Again XXXX XXXX XXXX does not own this account and legally they can not report it. So at this point XXXX and Transunion is liable as well.

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 2023-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I sold my home. The closing date was XX/XX/XXXX. I received a payoff amount that I then gave to my real estate attorney. The title Company verified the Closing amount with Rocket Mortgage associate and then proceeded to wire the money. 11 days later ; The Mortgage Company said they gave the wrong payoff amount! The day of the closing ; Checks were cut and Realtors and Attorneys got paid. I only found out today when I thought they sent me my 1098 form that it wasnt closed. Thats when they made me aware and then they returned the wires amount back to the mortgage company today on XX/XX/XXXX. I asked for the Executive Manager and no one is available for at least 48 hours while my loan is accruing interest. I also asked for an explanation and a new payout amount in writing which they didnt do. The house has been closed on and I am not the owner r according to the attorneys. Rocket Mortgage gave the wrong pay out and its my issue. I feel like its a bait and switch and Im being discriminated against. No notifications etc. Just to get more money that I dont have .I was on the phone on XX/XX/XXXX for 5 hours spoke to different people.. None did nothing. Very frustrated and would never recommend anyone to them. Unprofessionally treated and now the title loan company has over {$200000.00} sitting there waiting for a payoffAfter Rocket Mortgage had it for over a week gaining interest while Im losing more moneyI asked for the accounting information and payoff in writing and got neither

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Ive been having fraudulent inquiries on my credit report, from XX/XX/XXXX to XX/XX/XXXX, about 90 hard inquiries are fraudulent from those two dates! I would need those removed!

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 2023-01-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I'm having trouble with the XXXX the state organization in charge of disbursing the Covid Mortgage relief funds. I applied for assistance, and they denied me on the grounds of my loan being over the XXXX XXXX XXXX conforming home limit in 2021 which is false. I filed a appeal and was denied again even with documentation. I believe this company if fraudulently denying hard working Americans of the relief they need to catch up on there Mortgage.

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 2023-01-03 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: MA

Complaint narrative:
Credit Report Reference number : XXXX As I was going through my most recent credit report, I discovered some innacurate and incorrect information on my report. I have done my best to resolve this issues with the reporting agencies but they have not taken care of the problem. 

The following are the accounts that I am concerned about and believe that they are innacurate. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( I ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see XXXX XXXX ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Account # 's : 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 According to Fair Credit reporting Act ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

* Please also remove all non-account holding inquiries over 30 days. 

I will be waiting to hear from you soon about the resolve of this issue. 

Signed : XXXX XXXX. XX/XX/22

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 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The informant is innocent on all XXXX credit agencies as well my deposit have yet to be verified

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 2023-01-04 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, XXXX XXXX regarding account number XXXX XXXX XXXX XXXX in the amount {$680.00}, 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 also states that a consumer reporting agency can not furnish an account without my written consent.

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 2023-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I attached my Venmo account to my newly downloaded XXXX app for the sole purposes of getting a discount with a trial membership. When I attempted to use my *gift card* balance for the purchase ( rounded to {$42.00} with a donation ), that money was instead taken from my bank account via Venmo. I contacted customer service. They said they could not change the payment method after the order was placed. I was offered a {$5.00} discount off my next purchase at first, then {$7.00} after I got upset. They said they couldn't change my payment method after an order was placed. I was ordering because my partner is sick and specifically requested XXXX XXXX, and I didn't want the order cancelled, so I said something undignified and told them not to cancel the order. As it turns out, XXXX wasn't planning to cancel my order, regardless. ( It may be that the restaurant had already started cooking or they were giving me what feedback they were in order to mislead me into not cancelling it. ) My prior interactions with XXXX have been frustrating. A friend placed an order in one case with a similar result to this one. In XXXX, I placed an order that never showed up but stayed in " waiting '' for hours. Thankfully, it was at least fully refunded. I have avoided XXXX since and only used it, this time, because I had a gift card. I attached my Venmo so I could avoid their exorbitant fees with a free trial membership only for this nonsense to happen. This is definitely a problem with XXXX and maybe one with Venmo. 

I placed pertinent order with a scheduled delivery time of XXXX on XXXX XXXX, XXXX. Order number is XXXX. I have attached screenshots of my interaction with customer service, as well as my order. I am not proud that I cursed. It's not my habit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XX/XX/2023, someone took out a personal loan with Goldman Sachs in the amount of {$4500.00} and paid off XXXX credit cards. On XX/XX/XXXX I was contactedy by XXXX about a credit alert so I contacted XXXX and disputed the claim, but the person was still able to get the loan through Goldman Sachs. When XXXX contacted me again on XX/XX/XXXX that the loan went through I immediately went on to all XXXX credit bureaus and disputed the loan and locked up my credit. On XX/XX/XXXX I spoke with XXXX again and followed up with the dispute and they helped me contact Goldman Sachs to dispute the loan with Goldman Sachs. Goldman Sachs also said they flagged the account on XX/XX/XXXX as fraudulent. On XX/XX/XXXX I am going to my local police department and I will file a complaint with them as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have submitted disputes to the XXXX major credit bureaus and its been longer than XXXX days and they havent finished their investigation thats required by law and I am harmed due to this situation I cant get a loan for a home or auto until these inaccuracies are resolved, this is the second time Ive sent in this disputes and Ive followed their procedures in providing proper identification and proof of residency.

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 2023-01-04 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-01-04 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: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Wells Fargo and XXXX accounts are all fraudulent and beed to be deleted I have contacted these companies and no MAN or WOMAN has come forth and validated a debt. 

15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 16 Section 604 2. Consumer reporting agencies can not furnish an account without my written instructions.

These are clear violations of rights. I do not do business with these corporations and no MAN or WOMAN has said a debt was due

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 2023-01-04 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: PR

Complaint narrative:
They deleted these accounts and reinserted them without notifying me, which is a violation of the law they have to notify me 5 days in advance. these accounts were opened fraudulently and are on an identity theft report, the accounts are XXXX Bank # XXXX, XXXX XXXX XXXX CO # XXXX, and XXXX  # XXXX The 3 accounts do not belong to me.

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 2023-01-04 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: IL

Complaint narrative:
Account name : XXXX Acct. # : XXXX {$400.00} # XXXX {$280.00} I have disputed this account with Experian over 5 times starting XX/XX/XXXX ending in XX/XX/XXXX and it still hasn't been resolved. I have sent in a police report and also a letter from the circuit court that proves I couldn't possibly make these accounts. I was incarcerated on XX/XX/XXXX and wasn't released until the following year. I sent letters asking for proof of anything connect to me and I asked them how the account was verified, they Never let me know anything they just send an email stating that it was verified. This is my second time filing a complaint with CFPB. My next step is to hire me an attorney. Please strike and remove these accounts from m credit bureaus until adequate validation has been received proving that the account belongs to me, and all of the information is correct.

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