vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 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: NC

Complaint narrative:
I just started pulled my credit today to see what my score was to apply for a car loan. When i pulled my credit i noticed my credit score was very low ( which i expected because i was told that if you dont have much on your credit it would be low ) however there were a lot of closed charge off accounts i never applied to, inquiries for things ive never applied to, open accounts i never created. There were jobs listed ive never worked at, addresses ive never lived. I dont know how this couldve happened besides my birth certificate being misplaced sooooo many years back. Ive never given my personal information out so im not sure how this happened however i did not apply for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, inquiries from XXXX XXXX ( twice ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are all fraudulent. i did not apply to any of these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
There were several refunds on my account so I had a negative balance due. Without my permission or noticing me, the credit card company refunded the balance of {$1000.00} to me on XXXX XXXX 2021, but I never received the refund check. I called them many times to resolve the issue, but each time they said it is under investigation. The case number they gave me 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 2022-03-11 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: NC

Complaint narrative:
I just started pulled my credit today to see what my score was to apply for a car loan. When i pulled my credit i noticed my credit score was very low ( which i expected because i was told that if you dont have much on your credit it would be low ) however there were a lot of closed charge off accounts i never applied to, inquiries for things ive never applied to, open accounts i never created. There were jobs listed ive never worked at, addresses ive never lived. I dont know how this couldve happened besides my birth certificate being misplaced sooooo many years back. Ive never given my personal information out so im not sure how this happened however i did not apply for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries from XXXX XXXX ( twice ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  are all fraudulent. i did not apply to any of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: NC

Complaint narrative:
I just started pulled my credit today to see what my score was to apply for a car loan. When i pulled my credit i noticed my credit score was very low ( which i expected because i was told that if you dont have much on your credit it would be low ) however there were a lot of closed charge off accounts i never applied to, inquiries for things ive never applied to, open accounts i never created. There were jobs listed ive never worked at, addresses ive never lived. I dont know how this couldve happened besides my birth certificate being misplaced sooooo many years back. Ive never given my personal information out so im not sure how this happened however i did not apply for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, inquiries from XXXX XXXX ( twice ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are all fraudulent. i did not apply to any of these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I have an Apple credit card by Goldman Sachs. I purchased some items for XXXX that I subsequently returned. The refunds were for XXXX and XXXX and were processed ( hit my credit card account according to statement ) on XX/XX/2022 and XX/XX/2022. I bought an XXXX XXXX sometime last year and decided to pay it on installment basis, with 0 % financing. The outstanding installment balance is {$870.00}. I always prepaid any and all balances in my account before they are due. 

I had also filed a dispute as I had made a purchase in XXXX that the vendor had not delivered by middle of XXXX, so after hours of calls, I asked Goldman to dispute it. That's another {$3200.00} dollars, so technically, I have over 9,300 dollar credit ( i.e., Goldman owes me ) balance in my credit card. After more than 1 month, they still have not resolved that dispute. When I went to make a purchase and it was denied, it is when this whole situation unraveled, as the 3,200 conditional credit issued was reducing my spending limit, even though, and ignoring that conditional credit, I had over {$6000.00} balance owed to me. 

Goldman Sachs refused to wire me the outstanding balances in my favor, when I asked that they be returned immediately. Initially they told me they would send me the balance less the installment credit balance, which they will use to repay the installment loan on a monthly basis as it becomes due. That amounts to cash collateralizing the installment loan for no reason, with the pernicious consequence that the installment balance at the same time affects the credit balance in the account as well as my own credit score since the debt would show as outstanding. They told me they can do all of that, with any cash balances in my favor, per policy and bank regulations. I told them they didn't have the right to withhold my money, they didn't have the right to cash collateralized the installment loan and that I wanted to close out my credit card and get my money back. They told me a ) somebody would get back to me within 10 business days to answer my complaint, and b ) they would have to evaluate my account since I want to close it and would decide after several months what they would do, which didn't answer when I would get my money. 
I also challenged them to adjust my spending limit by the cash balance in my favor, so that I could make the purchase, to which their answer was " we can't do that '', and you have to use another credit card, i.e., take your business elsewhere. 

Well, this is exactly what I am doing, I purchased the item on my Platinum card and I hope you help me get my money from Goldman, but more importantly, curve this outrageous behavior. They should be paying me interest on my balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
This concerns our reverse mortgage and its sale to another company. We had a mortgage with XXXX XXXX. In XXXX of XXXX we were victims of XXXX storm in Texas. Our insurance payment was held by XXXX and distributed to us in increments based on progress of repairs to our home. We had inspection on XX/XX/XXXX but never received our payment. Upon questioning we were told it was in process. Then we receive letter stating our mortgage was sold to XXXX Mortgage as of XX/XX/XXXX. XXXX wont talk to us saying they have no records until all records are transferred. We ask for supervisor but told one would call in XXXX hours. Nothing! We have been told this process this could take 30 days which is nonsense. These records are digital. I am also sure we will get continued run around for another inspection and an additional time to process check! In the meantime we need to pay our contractor and his subs. This will reflect on our credit reputation, liens and possibly no place to live if our house is unfinished and our apartment lease is up. The remaining insurance pay out is over {$44000.00}. Please advise us of any assistance you can provide

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: TX

Complaint narrative:
I have been disputing since ( XX/XX/19 ) till Now. Every time i disute these account and ask for validation i never get the correct response or proof. 
( XXXX XXXX ) XXXX I have submitted XXXX to XXXX nothing has taking place. 
( XXXX XXXX ) XXXXXXXX XXXX  XXXX Also submitted proof and fix the inaccurate that my report has. 
( XXXX XXXX XXXX  ) also disputing inaccurate in Uniform alignments. 
( XXXXXXXX XXXX XXXX XXXX ) Wrong Dates ( XXXX ) Also disputed and nothing happen only updated accounts with no proof. 
( XXXX XXXX XXXX ) Account Charged Off and reporting balances wrong dates ( XXXX XXXX XXXX ) Account Charged Off also reporting wrong dates, balances and payment history. 

All Three Credit Bureaus update account but dont show proof of account and reporting in accurate on credit 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 2022-03-11 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: IL

Complaint narrative:
I've told this company multiple times to remove the late payments from my consumer report and they REFUSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: IL

Complaint narrative:
I've told this company multiple times to remove the late payments from my consumer report and they REFUSE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: MI

Complaint narrative:
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this COMPLAINT with CFPB as well as copies of the XXXX written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Identity Theft Fraud Accounts )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Securus J Holdings, LLC
State: FL

Complaint narrative:
I paid for my son 's commissary and it came out of my bank account but did not get deposited. When I called JPay, they said it has to be accepted by the " facility '' so they are going to hold onto it until then. When I called " the facility '' they said they don't know anything about jpay. They gave me a different number XXXX XXXX XXXX which I called several times but there are too many callers repeatedly so call back later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: NY

Complaint narrative:
The credit bureaus are reporting negative information on my credit file without due diligence. They are using unverified information from a collection agency. The name of the collection agency is XXXX XXXX XXXX, XXXX. I put a dispute in and by law, the credit bureau should not be reporting negative information under investigation. They should have taken off until due diligence is taken. I sent a letter for validation to the collection agency and they continue to send me generic correspondences. I have sent certified mail with specific questions for them to answer because it is my constitutional right to know what the debt is and how much they paid to acquire said debt. Furthermore, I asked for any contractual agreement between me and said company XXXX XXXX. 
I also sent the credit bureau a certified letter stating my rights whereas they are reporting inaccurate information and should take it off my credit report because it is jeopardizing my ability to get a loan to help my children through college. 
It is an unfair practice for companies to be allowed to report negative information without proper validation. A statement ( a bill ) or a letter from originated creditor is not suffice as validation. I need for said companies to provide the law that states otherwise specifically. Also, would like for my certified letters to be answered directly and not given generic responses and still be liable for invalid information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have reached out to the Bureaus over 30 days and have yet to receive a response. 
This is inaccurate and should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have reached out to the Bureaus over 30 days and have yet to receive a response. 
This is inaccurate and should not be 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 2022-03-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have reached out to the Bureaus over 30 days and have yet to receive a response. 
This is inaccurate and should not be 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 2022-03-11 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: SC

Complaint narrative:
To Whom It May Concern, I have attempted to remove duplicate accounts from my credit file several times, however, the credit bureaus are refusing to move these accounts. I have letters from both XXXX XXXX XXXX and XXXX XXXX which shows that the XXXX XXXX XXXX ending in XXXX is being collected by XXXX XXXX XXXX and the XXXX XXXX account ending in XXXX is also being collected by XXXX XXXX XXXX. 

I advised the credit bureaus that it is unlawful to report duplicate accounts on my file, however, they refuse to remove these files from my credit report. 

As well, I submitted my divorce court orders advising that my last name is no longer XXXX and should be updated on my credit file to reflect my maiden name. All three credits bureaus have this information but refuse to update my name. I also sent copies of my SC Drivers License.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 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: AZ

Complaint narrative:
XXXX XXXX AC # XXXX, DO : XX/XX/XXXX, Amount {$840.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$22000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount:XXXX, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$2500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

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