vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
Marcus by Goldman Sachs is the holder of a savings account for XXXX XXXX XXXX. This account was set up to Transfer of Death. XXXX died XX/XX/21. I notified Goldman Sachs. They closed, or locked the account where i could not access balance or account number info. I am the Executor of XXXX XXXX XXXX. Because it was XXXX, no estate documents should have been required, but they insisted that these be provided. I filed a Small Estate Affidavit in Probate Court, XXXX County Tennessee. I obtained several certified copies, and sent one to GS. They returned it and said they can not accept one without a " raised seal ''.. I contacted my attorney, who contacted our court clerk. He stated they do not do a " raised seal ; '' Instead each certified copy is stamped and hand signed by the deputy clerk Because they will not accept what the court provided, and the court can not provide me anything else, I am unable to move the funds to the Estate of XXXX XXXX, and therefore can not close the estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: NC

Complaint narrative:
According to the Fair Credit Act my credit file has to be 100 % accurate. my XXXX XXXX  account credit limit is {$1000.00}. Experian is reporting {$500.00} on my credit file. Experian has failed to update my balance and credit limit. This is affecting my credit score in a negative way.

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 2021-10-23 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am a XXXX XXXX with over 10 years service to my country. I became homeless in XXXX  for over 4 years. As such I lost most of my documents. I have recently become settled and in the last year I have been trying to resolve these fraudulent account issues with the following debt collection agencies. These accounts I did not open and their presence on my Credit Report has made it almost impossible to take care of my children and my family during this Pandemic. I also reported it to the Police and they advised me that I should make a report to CFPB. The below mentioned companies have not been able to provide me with either my Social Security number or my signature as proof that I have opened these accounts. Neither will I provide it to them as I no longer believe that it is safe to do so. 

Portfolio Recovery Associates, LLC : XXXX XXXX XXXX Portfolio Recovery Associates, LLC : XXXX XXXX XXXX  Portfolio Recovery Associates, LLC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX decided to close my account and when I had regularly posted payments on time for years. I feel I have been discriminated against and that its against the law of 15USC ss1666.

I told them I lost my job in 2020 and got set on a payment plan well when Ive started working again they just closed the account and they refuse to reopen it. This is negatively impacting my credit score.

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 2021-10-23 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: GA

Complaint narrative:
I would like to say thank you Consumer Financial Protection Bureau and thank you for your help in protecting consumers against fraudulent acts of companies. I recently reviewed my credit profile and .... 
I would like to inform you of violations of the FCRA that this company has commited. This company has violated statute 15 USC 1681a ( 2 ) ( B ) of the exclusion section of consumer reports for the account number XXXX To remind this company of this law I have included it here.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Let me also remind this company of the definition of " credit card '' that's defined under the Truth in Lending Act 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

I did in fact receive a credit card from this company to obtain money on credit. This company provided me this credit card, I was approved and this company provided me directly an extension of credit that originated from me, the original creditor that's defined under the Truth in Lending Act ( TILA ), which also makes this company a creditor. This information that this company is reporting on my credit profile must be excluded and they must delete their tradeline immediately. 

I have attached a description of the tradeline that should be excluded from my credit profile.

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 2021-10-23 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 need your assistance in getting the following items removed from my credit file. These items are reporting as a result of identity theft. I have sent dispute letters on XX/XX/XXXX and again on XX/XX/XXXX to all 3 credit agencies with no results. The following items are reporting as a result of fraud : XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$330.00} ( EQUIFAX, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$5700.00} ( Equifax, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$3800.00} ( Equifax, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$320.00} ( Equifax, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$1500.00} ( Equifax, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$1200.00} ( XXXX & XXXX ) XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$220.00} ( XXXX XXXX Equifax ) XXXX - Opened XX/XX/XXXX Bal : {$640.00} ( Equifax, XXXX, XXXX ) XXXX XXXX - Date Opened Bal : ( {$0.00} ) The following items are reporting inaccurate late payment for the following items : XXXX XXXX  - 30 days late in XX/XX/XXXX ( XXXX & XXXX ) XXXX XXXX - 30 days late in XX/XX/XXXX ( XXXX & XXXX ) XXXX XXXX - 30 days late in XX/XX/XXXX ( XXXX & XXXX ) XXXX XXXX - 30 days late XX/XX/XXXX - XX/XX/XXXX & XXXX - XX/XX/XXXX XXXX - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( Equifax, XXXX & XXXX ) XXXX - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( Equifax, XXXX & XXXX ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( Equifax, XXXX & XXXX ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( Equifax, XXXX & XXXX ) The following inquiries was not authorized by me : XXXX XXXX  XXXX XXXX XXXX  - 9 Times XXXX  - 2 Times XXXX XXXX XXXX XXXX - 13 Times XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Citibank Visa Costco anywhere card. 
Trying to move all of our monthly purchases over to this card for the rewards and while on vacation XXXX XXXX-XXXX  XXXX  they put a hold on the payment so our balance was at {$0.00} but also our available credit is at {$0.00}. 
So while on vacation ( Why the card was opened in the first place-Costco vacation ) we were not able to use the card or the money that we had sent over for the balance payment. 
How is this legal? 
And if it is... it shouldn't be!! 
XX/XX/XXXX XXXX spoke to my bank ( XXXX XXXX ) who said the payment clear the next day and funds were in Citibank account also said that not paying the balance sounded extremely sketchy. 
XX/XX/XXXX XXXXspoke to Citibank they said the card credit would be available to use again on XX/XX/2021. 
XX/XX/XXXX XXXX called Citibank again spoke to a manager gave me the same XXXX... I said are you sure there is nothing you can do? I'm about to send a complaint to the CFPB and probably Costco as well, Nope, he assured me my balance had been paid, which does nothing for me as the consumer who no longer has the cash in my account and does not have access to the credit on the card either. 

Going forward this week we have set up about 5-6 payments to be taken from this card till the end of the month and now they will all bounce.

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 2021-10-23 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 need your assistance in getting the following items removed from my credit file. These items are reporting as a result of identity theft. I have sent dispute letters on XX/XX/XXXX and again on XX/XX/XXXX to all 3 credit agencies with no results. The following items are reporting as a result of fraud : XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$330.00} ( XXXX, TU, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$5700.00} ( XXXX, TU, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$3800.00} ( XXXX, TU, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$320.00} ( XXXX, TU, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$1500.00} ( XXXX, TU, XXXX ) XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$1200.00} ( TU & XXXX ) XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$220.00} ( TU XXXX XXXX ) XXXX - Opened XX/XX/XXXX Bal : {$640.00} ( XXXX, TU, XXXX ) XXXX XXXX - Date Opened Bal : ( {$0.00} ) The following items are reporting inaccurate late payment for the following items : XXXX XXXX  - 30 days late in XX/XX/XXXX ( TU & XXXX ) XXXX XXXX - 30 days late in XX/XX/XXXX ( TU & XXXX ) XXXX XXXX - 30 days late in XX/XX/XXXX ( TU & XXXX ) XXXX XXXX - 30 days late XX/XX/XXXX - XX/XX/XXXX & XXXX - XX/XX/XXXX XXXX - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, TU & XXXX ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, TU & XXXX ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, TU & XXXX ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, TU & XXXX ) The following inquiries was not authorized by me : XXXX XXXX  XXXX XXXX XXXX  - 9 Times XXXX  - 2 Times XXXX XXXX XXXX XXXX - 13 Times 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 2021-10-23 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 need your assistance in getting the following items removed from my credit file. These items are reporting as a result of identity theft. I have sent dispute letters on XX/XX/XXXX and again on XX/XX/XXXX to all 3 credit agencies with no results. The following items are reporting as a result of fraud : XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$330.00} ( XXXX, XXXX, EXPERIAN ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$5700.00} ( XXXX, XXXX, Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$3800.00} ( XXXX, XXXX, Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$320.00} ( XXXX, XXXX, Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$1500.00} ( XXXX, XXXX, Experian ) XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$1200.00} ( XXXX & Experian ) XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$220.00} ( XXXX XXXX XXXX ) XXXX - Opened XX/XX/XXXX Bal : {$640.00} ( XXXX, XXXX, Experian ) XXXX XXXX  - Date Opened Bal : ( {$0.00} ) The following items are reporting inaccurate late payment for the following items : XXXX XXXX  - 30 days late in XX/XX/XXXX ( XXXX & Experian ) XXXX XXXX  - 30 days late in XX/XX/XXXX ( XXXX & Experian ) XXXX XXXXXXXX  - 30 days late in XX/XX/XXXX ( XXXX & Experian ) XXXX XXXX - 30 days late XX/XX/XXXX - XX/XX/XXXX & XXXX - XX/XX/XXXX XXXX - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, XXXX & Experian ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, XXXX & Experian ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, XXXX & Experian ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, XXXX & Experian ) The following inquiries was not authorized by me : XXXX XXXX  XXXX XXXX XXXX  - 9 Times XXXX  - 2 Times XXXX XXXX XXXX XXXX - 13 Times 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 2021-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was in the hospital when the incident occurred I missing the sum of {$39000.00} out of my account with Wells Fargo I sent them information that ..that was not my fault I don't know the company the money went too..I dispute the charges and they still rule in an overseas company .I don't feel that's fair at all.

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 2021-10-23 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: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
This is a clear inaccuracy and a clear violation against my rights, Please take this off from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: MO

Complaint narrative:
My Last encounter with XXXX was in XXXX then my cell phone was not in contract but had expired I was ( XXXX XXXX XXXX DBA XXXX XXXX ) and was month to month. I have signed contract with XXXX since XXXX of 2020. Recently, XXXX of 2020 XXXX started to charge {$230.00} Dollars to my checking account I disputed those claims. They or now alleging I owe tthem {$230.00} which is false.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: TN

Complaint narrative:
Experian is reporting NOTHING but INACCURATE accounts on my credit report .... Are they allowed to report anything and defame me?? The account in question is misleading and falsely reporting and it's a violation of the FCRA. The account us going in and out of collections, It's reporting sometimes that the account was paid on time.. I never paid on this alleged account. If I did I need PROOF they are putting this account in and out of collections and saying its paid to stay in the statue of limitations. They are in VIOLATION. Remove this account IMMEDIATELY. Not only that but they sent me a letter dated in XXXX that I allegedly owed XXXX but on my Experian report it's saying that I allegedly owed {$1300.00}. REMOVE THIS ACCOUNT THIS IS INSANITY.

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 2021-10-23 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:
I, XXXX XXXX, a federally protected consumer, authorize this investigation. I have unauthorized fraudulent accounts on my credit report that I do not consent to be on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: WA

Complaint narrative:
Checked my credit report and saw inquiries that I don't recognize and want them 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 2021-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Open credit card with bank credit limit was {$200.00} XXXX  company changed credit limit and say i owe XXXX and also filed lawsuit in XXXX XXXX NY and claimed they served me they didn't as well as false documents they filed in court they had threatening letters with false amounts i cleared up my credit and went to court to settle this issue after doing a credit check they refused and case was thrown out without opposition company is collecting false debt approved and obtained a judgment falsely that was later thrown out yet they still are trying to collect and increase debt on credit they falsely created as well as refuse to settle and still try and collect Company is LVNV Funding L.L.C

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In XX/XX/2021, I noticed some fraudulent activity on my CitiBank checking account. I reported the fraud to CitiBank in XX/XX/2021 and they said they would investigate. On the account, there was a negative balance of {$4300.00} that was deposited to another account from a fraudulent check. They told me it would take 30-60 days for the investigation which I let them do. I come to find out that Citibank closed my account without my knowledge and then mailed me information to the address on the account that is fraudulent. I never received a call or an email about anything at all. Again the address on file was changed without my consent or knowledge to an Oklahoma address. Now I have a closed account on my credit check and will have debt collectors after me because Citibank did not do an investigation after I sent them letters in regards to it being a fraud.

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 2021-10-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  has been closed since XXXX. But now they are reporting late payments to my credit report. Tjis is going against the fair credit act, and i want this account removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I would like to say thank you Consumer Financial Protection Bureau and thank you for your help in protecting consumers against fraudulent acts of companies. I recently reviewed my credit profile and ....

I would like to inform you of violations of the FCRA that this company has commited. This company has violated statute 15 USC 1681a ( 2 ) ( B ) of the exclusion section of consumer reports for the account number XXXX To remind this company of this law I have included it here. 

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Let me also remind this company of the definition of " credit card '' that's defined under the Truth in Lending Act 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

I did in fact receive a credit card from this company to obtain money on credit. This company provided me this credit card, I was approved and this company provided me directly an extension of credit that originated from me, the original creditor that's defined under the Truth in Lending Act ( TILA ), which also makes this company a creditor. This information that this company is reporting on my credit profile must be excluded and they must delete their tradeline immediately. 

I have attached a description of the tradeline that should be excluded from my credit profile.

Company response to consumer: Closed with explanation