vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-02 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 — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have an apple credit card. 
I never used my physical apple card more than twice in its lifetime. 
I have used the 'digital ' number many times for online transactions. 
On XX/XX/XXXX at XXXX XXXX  while I was home in XXXX my credit card 's digital number was charged {$1500.00}. I immediately got notification on my iphone and called apple to report unauthorized use of my card. Apple card started the dispute. 
I also attempted to call the merchant ( XXXX XXXX XXXX ) that evening to cancel whatever fraudulent order was placed however they could not assist me. 
On XX/XX/XXXX I was notified that the transaction was not resolved in my favor, an " The merchant provided suffecient evidence that I made the purchase ''. 
When I called and inquired with apple what proof was made for a fraudualnt transaction they could not provide me the proof and would 'mail me the documents which would take 7 days '. 
Eventhough Apple and Goldman Sachs both agree there is 0 % liability for unauthorized transactions I wonder why I am being held liable for this unauthorized transaction. 
I have re-initiated a dispute with apple card and now have to wait another 3 months for an answer. 
this whole process is very elongated, excludes the customer, and is at best stupid along with goldman sachs customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: Verisk Analytics Inc
State: NV

Complaint narrative:
I sent a dispute letter to LCI Consumer Center under FCRA 611 ( a ) requesting verification for a Bankruptcy XXXX reported to credit bureaus, on XX/XX/2021, and on XX/XX/2021, and I havent received any response as of today XX/XX/2021. 
I am distressed that you are providing information regarding the questioned item, verified as accurate with thirty party credit bureaus ( XXXX, XXXX, and XXXX ) without completing an appropriate investigation and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate and complete credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
In the letter I sent to LCI Consumer Center on XX/XX/2021, I requested the following information : -Complete list of all documents and correspondence regarding the questioned item. 
-All names and contact information of employees that you spoke to as part of the investigation with date and time, so it can be used to find recording calls records if is needed by the court or general attorney. 
-Documents and explanation of how Lundquist Consulting , Inc received the public record information with complete information about me including, but no limited to, my complete social security number. 
Please be aware that I been disputing the public record with credit bureaus XXXX, XXXX, and XXXX several times and per credit bureaus and their correspondence to me the public record information has been verified by Lundquist Consulting Inc, I called the US Bankruptcy Court ( District of Nevada ) each time, after the questioned item have been verified as accurate per ICI and they have informed me that they dont verify or report information with anyone and they havent receive any call regarding a verification of the questioned information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The following accounts do not belong to me. Legally I have no contract or relationship with these creditors. 

XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balance : 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 2021-10-02 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: NC

Complaint narrative:
EQUIFAX IS STILL REPORTING A CHARGE OFF EVEN AFTER SENDING THEM A LETTER FROM THE REPORTING PARTY INDICATING THAT IT WAS AN ERROR. I HAVE MADE NO LESS THAN 4 ATTEMPTS TO GET THIS FIXED AND EQUIFAX IS THE ONLY BUREAU THAT REFUSES TO CORRECT THEIR REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
This company Convergent Outsourcing , Inc, sent me a letter stating that I owe for an account that I have never had. They purchased this debt from another Collection Company that had put it on my credit report and I filed a complaint because it was due to identity theft, and they removed it off of my credit report and out of their system. Apparently they sold it and Convergent purchased it. This account doesn't belong to me and it needs to be removed from my credit report and out of their system. They also need to stop selling it as it is not a legitimate debt.

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 2021-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I noticed this was n my credit report and attempted to contact this company. I asked for prof of debt and was told I needed to dispute.

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 2021-10-02 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: OR

Complaint narrative:
I made a transfer in the amount of XXXX $ from my venmo account to my bank account and right after i got a email stating my venmo account has been closed and my XXXX $ transfer to my bank account is under review resulting in a transfer freeze or money being withheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriCollect
State: FL

Complaint narrative:
I am a XXXX XXXX female enrolled in the XXXX XXXX XXXX XXXXn. Under the plan I am only responsible for a daily XXXX charge of {$120.00} when I was admitted back in XX/XX/2021. The insurance plan paid for ALL services rendered in the XXXX but a bill for {$170.00} was sent to me for lab. tests. Under XXXX XXXX XXXX balance billing is NOT allowed! The creditor ; XXXX XXXX XXXX XXXX XXXX XXXX filed a notice with a collection agency to recover {$170.00}. 
Since this is a balance billing matter it is NOT allowed under XXXX XXXX rules.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
For 3 weeks I have been receiving mail from Truist bank regarding a mortgage being taken out by XXXX XXXX on our property. After receiving 2 pieces of mail, my XXXX XXXX XXXX mother, XXXX XXXX and co-owner of the property, googled XXXX XXXX to obtain her phone number. The XXXX search found that her family owns the property located at XXXX XXXX XXXX, in XXXX XXXX PA. It seemed innocent enough at first. My mother called XXXX XXXX regarding the mail and XXXX XXXX XXXX proceeded to tell her that she is a property title transfer specialist and works regularly with Truist bank. Now we are afraid that she is trying to steal our property. She has called many times demanding the return of the mail. We have attempted to contact Truist bank regarding the matter. My mother called the first time and they blew her off. I called at XXXX on XX/XX/21 and obtained the number for their fraud dept. I spoke with someone at XXXX on XX/XX/21 who stated that there is nothing that they can do without an account number but after much insistence, the rep forwarded a note regarding suspicious activity to the fraud dept. I have not heard back from them. My mother has contacted my mortgage company, XXXX, who stated there is nothing that they can do. I obtained a copy of my credit report which was clean and opened a case with XXXX. I have obtained the names of several attorneys.I have submitted 3 identity theft and mail fraud claims with the US Postal Inspection Service : XXXX, XXXX, and XXXX. My mother filed police report XXXX XXXX. The USPIS advised me to keep the original mail. However, since it is not addressed to me, I was unable to open the mail per federal law, to obtain an account number for the bank. I hope you are able to assist in clearing this up. Thank you.

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 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The following accounts do not belong to me. Legally I have no contract or relationship with these creditors. 

XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The following accounts do not belong to me. Legally I have no contract or relationship with these creditors. 

XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balance : XXXX XXXX XXXX  XXXX, Balance : 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 2021-10-02 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: TX

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all three Credit bureaus and they have Ignored my verified clams and are unlawfully and illegally reporting fraudulent accounts and information on my credit profile. 

Names Fraudulently XXXX A XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX A XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Addresses Fraudulently listed XXXX XXXX XXXX  XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX WY XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX DEPT OF ED/XXXX  - XXXX - {$7400.00} DEPT OF ED/XXXX  - XXXX - {$4800.00} NAVIENT XXXX - {$850.00} US DEP ED - XXXX - {$5500.00} US DEP ED - XXXX - {$7000.00} US DEP ED - XXXX - {$970.00} US DEP ED - XXXX - {$640.00} US DEP ED XXXX XXXX - {$1500.00} XXXX  XXXX XXXX  XXXX  XXXX XXXX - {$600.00} ( Original Creditor : XXXX  XXXX  ) - XXXX - {$6300.00} XXXX XXXX - XXXX - {$410.00} XXXX XXXX  XXXX - XXXX - {$700.00} XXXX XXXX - XXXX - {$3700.00} XXXX  XXXX XXXX XXXX {$8700.00} unauthorized Inqiures XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Concord Servicing Corporation
State: NV

Complaint narrative:
On XX/XX/2021 I obtained XXXXXXXX XXXXXXXX XXXX XXXX to give me an estimate on home repairs and was given a quote of {$7800.00} and decided to use XXXX XXXX fiance company at the time was XXXX XXXX and then changed to Concord Services. The job was completed in XX/XX/2021 and I made my loan payments on time and paid the loan off XXXX21. This morning XXXX2021 I had an email from XXXX noting a new loan reported on my credit report from no other than Concord Services showing my account is still active and it should be showing closed out. I filed a complaint with XXXX  and there are numerous complaints with this company with same issues. This reporting has cost me -22 points on my fico score and I want this false reporting removed ASAP!

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 2021-10-02 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: WI

Complaint narrative:
I sent TransUnion a letter stating that an account that's reporting to their agency was not my account and that the account should be removed because the account was opened due to identity theft. TransUnion has not removed the account. TransUnion has violated the Fair Credit Reporting Act and the Fair And Accurate Credit Transactions Act of 2003 Account reporting : XXXX Acct # 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 2021-10-02 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:
On XX/XX/XXXX, XXXX I sent a " Request for Investigation '' form to XXXX to have 2 companies removed from my report. The first was XXXX XXXX whom was the subject of a lawsuit in which the were found at fault. 
The second was a collection company who had bought a debt from a company I had never had any dealing or knowledge of. 
XXXX did not do any investigation into either account and just sent me a reply on XX/XX/2021 that both accounts were verified and updated. So both accounts are still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: FL

Complaint narrative:
On XX/XX/XXXX, XXXX I sent a " Request for Investigation '' form to XXXX to have 2 companies removed from my report. The first was XXXX XXXX whom was the subject of a lawsuit in which the were found at fault. 
The second was a collection company who had bought a debt from a company I had never had any dealing or knowledge of. 
XXXX did not do any investigation into either account and just sent me a reply on XX/XX/2021 that both accounts were verified and updated. So both accounts are still on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
There are accounts on my report that do not belong to me. The first one is from BK OF AMER with the account number XXXX. The second one is XXXX XXXX XXXX with the account number XXXX. Third is XXXX with the XXXX account number.

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 2021-10-02 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase credit card company has refused to reverse many fraudulent transactions that appeared on my credit card. I called them on XX/XX/XXXX and filed a fraud dispute and on XX/XX/XXXX they sent me a conclusion letter that said I am responsible for all of the transactions. There were over {$7000.00} or more in transactions that I didnt make to one merchant according to my account history. Their conclusion letter did not say the reason for why they think I owe this money. The only thing it states was you received benefit from this transaction. There was no reason how or why and no directions for how to file an appeal with them. I called them and sales why this decision was made. They refused to tell me why it rather said they are not sure why the reviewer made the decision and that I was not able to talk to the review person. So I told them its wrong what can we do. They said they can have the review it again. So on XX/XX/XXXX they started a second review and told me it would take about two weeks to finish the review. Today on Saturday XX/XX/XXXX they sent me an email with a document dated XX/XX/XXXX saying that they finished the second review and that I am responsible for the transactions. Remind you there are over 100 transactions for one merchant and several to other merchants. They told me this would take two weeks. How can they complete this in two days? It seems they are not even doing reviews and just filing paperwork without doing their job. It is obvious I did not make these transactions. The first time I called I also asked them to send me a new card. They didnt send one. So this time I asked them why and they said it was never noted on my account that I lost the card. It is a total XXXX show how Chase is handling these fraudulent charges and shows how little they care about protecting their clients. Instead they are just trying to force innocent people to pay for things that they never bought themselves. I have read online that many other people have been having similar problems with Chase credit cards and bank cards over that date back all the way to XXXX to XXXX. I refuse to allow them to take advantage of me. As a consumer we have laws to protect us from this happening to us. And when these big banks like chase clearly show they do not care to protect us it seems we are left useless and the banks are allowed to ruin our financial situation. Please help me with this. It is hard enough when we lose our wallets and have them stolen. But then when our banks allow it to happen what do we have left?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: NV

Complaint narrative:
On XX/XX/2021 I mail a copy of my drivers license, social security card, police report and FTC identity theft report. I received a update on the dispute yesterday XX/XX/2021. The bankruptcies and XXXX XXXX CONTINUE to remain reported on my personal credit. I submitted the police report and FTC identity theft report showing the disputed items were a result of ID THEFT and therefore I supposed to be removed. They HAVE NOT BEEN DELETED FROM MY PERSONAL CREDIT REPORT. Though only 1 item in the police report was removed. At This Time I Am Unsure Of Why The Bankruptcies Continue To Remain Even Though I've Submitted A POLICE REPORT AND FTC IDENITY THEFT REPORT. THIS IS THE LAST TIME I AM GOING TO REQUEST REMOVAL OF THIS INCORRECT/FRAUDELENT INFORMATION BEING LISTED ON MY PERSONAL CREDIT REPORT. ESPECIALLY WHEN I HAVE TAKEN THE PROPER STEPS TO SUPPORT THE ID THEFT CLAIM. IVE ALSO SUBMITTED THE SUPPORTING DOCUMENTS AS WELL TO NO AVIL. IF YOU ALL DO NOT REMOVE THE NEGATIVE INFORMATION I WILL BE FILING A CIVIL LAWSUIT AGAIN YOUR COMPANY. AS YOU ALL ARE VIOLATING MY RIGHT TO DISPUTE INCORRECT INFORMATION ON MY PERSONAL CREDIT REPORT. YOU ALL CONTINUE TO REPORT INCORRECT FRADULENT INFORMATION KNOWINGLY AFTER IVE SUBMITTED INFORMATION TO SUPPORT THE ID THEFT CLAIMS. 

NO ONE SHOULD HAVE TO SUBMIT 10 DISPUTES EVERY YEAR TO GET INCORRECT INFORMATION REMOVED FROM THEIR CREDIT REPORT. THIS IS JUST UNACCEPTABLE AND IS IN FULL VIOLATION OF MY RIGHTS PER THE FCRA. 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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