vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 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: FL

Complaint narrative:
My mortgage company says that they sent a letter to credit bureau 's saying that my account is current at time of closing and there is no payment due. But the credit report show a derogatory account on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/2023 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number XXXX To Whom This May Concern : This is my SECOND TIME writing you to update my information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities With fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My XXXX XXXX - XXXX XXXX 2. My Address - XXXX XXXX XXXX XXXX XXXX, Ga XXXX Please delete all other addresses, I can not receive mail, any correspondence, nor do I have access to any of these addresses. Please delete these outdated addresses and update my consumer report with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ). I am a federally protected consumer and I have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I was made aware of a judgement back in XXXX because this company tried to garnish my wages. It was a default judgement as they were sending all comminution to an address I have not leaved at in 9 years. The company was made aware of the wrong address and this being a fraud. I provided them with a police report and also filed out the fraud packet provided by them. I have requested all documents and never provided anything. I requested them multiple times. I have not heard anything about this debit and assumed it was closed due to fraud. Now 7 years later they with no other communication they are trying to garish my wages again for a fraudulent account. 

I have called multiple times no one answers the phone. 

i have attached the paperwork and police report from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: AmeriCollect
State: TX

Complaint narrative:
Americollect is using my health records without my consent. This is a unlawful use of my private, personal medical health files. This is a direct violation of my HIPAA rights. I have filed a formal complaint with the US Department of Health and Human Services. They have obtained my information illegally. I do not have any contract with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: The Bureaus, Inc.
State: FL

Complaint narrative:
I filed a Dispute with each Credit Bureau on The Bureaus for a {$390.00} Collection on my credit report in XX/XX/XXXX requesting proof of balance and documents since I never physically had a credit card or statement for this account. 

Yesterday, I received a letter from XXXX XXXX XXXX and called them to find out if what the collection was about and if it could be negotiated. I assume The Bureaus does not have this XXXX XXXX any longer but still reports it on my Credit Report. 

XXXX XXXX XXXX told me I had a XXXX Contract and had made a {$90.00} Payment in XXXX which I do not recall so I filed a XXXX XXXX Dispute today wanting proof of the Contract, proof of Payment and " Chain of Title '' or COT from the original creditor. The Contract Statue of Limitations is 5 Years in Florida. 

I would like The Bureaus {$390.00} Collection removed from my Credit Report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: FL

Complaint narrative:
My mortgage company says that they sent a letter to credit bureau 's saying that my account is current at time of closing and there is no payment due. But the credit report show a derogatory account on my file.

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 2023-05-16 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: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Personal Information Update Letter XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX, Tx XXXX RE : Social Security Number XXXX To Whom This May Concern : This is my SECOND TIME writing you to update my information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities With fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My XXXX XXXX - XXXX XXXX XXXX. My Address - XXXX XXXX XXXX XXXX XXXX, Ga XXXX Please delete all other addresses, I can not receive mail, any correspondence, nor do I have access to any of these addresses. Please delete these outdated addresses and update my consumer report with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ). I am a federally protected consumer and I have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.

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 2023-05-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I initiated a transfer from my Goldman Sachs online savings account to transfer to my external XXXX XXXX checking on XXXX at XXXX XXXX XXXX utilizing the XXXX XXXXGoldman Sachs app through the digital wallet on my XXXX. The app stated pending, and XXXX business days as typical to complete. 

I called in on XX/XX/XXXX requesting status and was advised to read the terms and conditions that state 3-5 business days to complete a transfer. Then was advised that I should call back if transfer is not completed by the end of day XX/XX/XXXX. Called in on XX/XX/16 and was informed transfer was still pending and that a supervisor would review why the transfer was pending and it would be another 3-5 business days. I asked to review routing and checking account information which was confirmed as correct. 

Still waiting on the funds transfer six business days ( XXXX and counting ) after my initial request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
On XX/XX/XXXX I was alerted that a application i did for care credit had been denied due to a previous applicaiton being approved. I never recieved any approval notices or cards in the mail. I calle Synchrony card services/care credit to resolve the matter they stated that someone opened a card with my social and a different name. They assured me that account would be closed and they if I sbmitted a new application they would " manually approve it '' and apologized for the inconvienece after several transfers and talking to several different reps I completed a new application over the phone as i was instructed to do, they denied it and said that decision was final depsite what the fraud rep told me. Then upon checking for more information on how someone could open an account with my social and not my name they said they cant give me any information and to check with the credit burea. They handled to sitiuation poorly every rep gave me different information continuaslly tranferred me to the wrong departments and I completed another application with them which palced an inquiry on my credit only to be denied after their rep said it would be apporved as long as I completed a new application which every rep after that told me they cant manually approve anything despite more than one rep stating they would do so.

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 2023-05-16 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: CA

Complaint narrative:
I filed a complaint previously but it was closed for duplicate complaint, but I only filed one complaint. 

On XX/XX/XXXX I sent certified mail to XXXX, Transunion, and XXXX to dispute a facetious account on my credit report due to it not being in my name. I sent copies of my social security card, passport card, passport, and birth certificate as verification and the account still remains on my report after the dispute was closed by the respective companies. The account in particular has a suffix on it, and I do not have a suffix in my name. The account has an address I have never resided at as well. These are violations of the FCRA, my personal information, and it is impeding my credit worthiness.

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 2023-05-16 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: CA

Complaint narrative:
I filed a complaint previously but it was closed for duplicate complaint, but I only filed one complaint. 

On XX/XX/XXXX I sent certified mail to Experian, XXXX, and XXXX to dispute a facetious account on my credit report due to it not being in my name. I sent copies of my social security card, passport card, passport, and birth certificate as verification and the account still remains on my report after the dispute was closed by the respective companies. The account in particular has a suffix on it, and I do not have a suffix in my name. The account has an address I have never resided at as well. These are violations of the FCRA, my personal information, and it is impeding my credit worthiness.

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 2023-05-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did, stating that everything was accurate. 

I did a research myself and found improper inaccuracies on my credit report even after they did a careful research.

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 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBC Credit Services, Inc.
State: MI

Complaint narrative:
Sent letter to CBC Credit Services and have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NE

Complaint narrative:
My deceased parent 's house foreclosed and not all of the heirs were informed. The company is Select Portfolio Services ( SPS ). SPS is NOT giving the rightful heirs the leftover money from the sale of the foreclosure from my deceased parent 's home. I have reported years ago that SPS is a Predatory so called " bank '' and used Predatory Loan Tactics to obtain people 's homes. SPS DID NOT offer Help for homeowner and/or heirs during the coronavirus national emergency. SPS foreclosed on my deceased parent 's home during the Federal Mandate under Covid19 Laws to NOT Foreclose! This so called company is so dirty and took my parent 's home away so that they could benefit dollars into their pockets!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX I used my American Express to purchase an item for {$430.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, CA XXXX XXXX XXXX While the store employee named XXXX still had my card, another two employees took me into a back room, gave me alcohol, used a light wand on my face, then took pictures of me. During the time XXXX still had my card she made {$9800.00} worth of further purchases to my card, unbeknownst to me. 
When I returned home to find a single receipt for my {$430.00} purchase, plus multiple items I did not purchase in my bag I checked my online account and found the extra charge for {$9800.00}. I did not know about this charge or the extra items. I returned the unopened items still in their shrink wrap to the store. I did NOT purchase these items, I did not authorize the charge on my card, and I do not have the items. American Express is still holding me accountable for the {$9800.00} because I gave my card to the employee to purchase an item for {$430.00}. I was completely unaware of the extra purchases for {$9800.00} made by the employee XXXX while I was in the back room. This is XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: Westlake Services, LLC
State: NC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me 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 explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I believe my information was mailed to an old address or I believe it took place when I lost my wallet for years back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: NC

Complaint narrative:
Im in North Carolina and I was desperate when I took out the loan I didnt realize my interest rate was 160 % I think this is predatory please assist as I can no longer afford the payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was a victim of identity theft and fraud. My account was hacked and someone sent their self over {$3500.00} to a XXXX. I have filed a police report and also have tried to get the money back. My money was stolen from Regions Bank and through cashapp and I am elderly and do not know these people at all who have robbed 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 monetary relief