vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
FEMA/Treasury grant from Hurricane Sandy Flood Disaster from XXXX converted to a loan illegally in XXXX and at an interest rate of 40 % in bad faith showing on my credit report as delinquent. Which is in correct because I am in court with legal disputes and also making paying every month from my USA Treasury check as dispute continue. There is a legal court document granted against FEMA/Treasury signed by a Federal Judge. There is also medical necessity and sufficient proof from supporting papers that there is a major violation of Federal Truth in Lending Disclosures Act and credit reporting act under FTC law.

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 2020-08-17 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX is being reported and it has an XXXX balance. This account need to be removed and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: DriveTime
State: GA

Complaint narrative:
XXXX XXXX XXXX is being reported and it has an XXXX balance. This account need to be removed and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: PA

Complaint narrative:
THE FCRA states that any inaccurate or non factual information on a consumer credit report should be removed from the credit report. I have found non factual information listed on the following collection accounts and want these collection accounts removed from my credit report. FCRA also states that I can file a lawsuit for damages if laws are broken as well. Collection Accounts can not be considered OPEN accounts. XXXX XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVEXXXX XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I refinanced two mortgages with closing date XX/XX/20. 
I opted to lock within 10 days of closing. 
I learned after the fact that there was a 1/4 % discount available if one chose a 15 day lock. This was not disclosed to me. Had I known about it, I would have chosen the 15 day lock option to take advantage of the 1/4 % discount ... which in fact I did on 3 additional refinances I performed with Quicken in XXXX and XXXX of this year. 
Both the regional VP ( XXXX XXXX ) and the Senior VP of mortgage banking ( XXXX XXXX ) at Quicken were quick to acknowledge that " absolutely, this discount should have been disclosed to you, but .... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I made a purchase at Apple.com, signing up for their Apple Card ( Goldman Sachs ) for a financing offer on XX/XX/XXXX. Part of the order was not due to ship for a month ( manufacturing backlog ) and part of it shipped immediately. 

On XX/XX/XXXX, I decided I would buy the items locally and cancelled the order with Apple. I immediately shipped back for the part of the order I received and shortly after receiving the return, Apple refunded  me for that, however the part of the order that hadn't shipped yet was still " pending '' on my card and the card was still showing a balance. 

I contacted Goldman Sachs ( who backs the Apple Card ) and explained the situation. They told me Apple had to release the pending charge and then transferred me to Apple. The Apple rep told me it was Goldman Sachs who is holding the pending charge and told me to contact them again. 

I give it some time to hopefully allow the pending charge to fall off and 2 weeks later, on XX/XX/XXXX, contact Goldman Sachs again, who proceeds to tell me it's Apple issue. In the meantime, Apple support had already emailed me a Credit Memo, showing the credit of the returned merchandise but absolved itself of the pending charges as they are not the bank. They insist there is nothing they can do about this. 

After a quick XXXX search, I'm seeing other Apple ( Goldman Sachs ) cardholders are having this exact same issue and are stuck in this infinite loop of being tossed between merchant and bank support.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: FL

Complaint narrative:
SOMEONE USED MY PERSONAL INFORMATION TO STEAL MY IDENTITY AND OPEN FRAUDULENT ACCOUNTS WITHOUT MY CONSENT AND KNOWLEDGE THEY ALSO FILLED OUT SEVERAL FRAUDULENT APPLICATIONSI am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX   CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-08-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My name is XXXX XXXX and over the two years, my information and identity has been compromised including unauthorized transactions/activity on my Bank of America accounts. This has caused Bank of America to freeze all of the money I had during a National pandemic restricting all access to funds. With my accounts being compromised I was not able to make payments to any of my bills as I was not able to open another account when all of my funds were in all of my accounts with Bank Of America. Bank of America has reported to credit agencies which has severely impacted my credit and score and ability to open another bank account. Since this has happened, other personal information has been used of mine for government benefits and attempted business loans. I was instructed by XXXX  and FTC to report what I can in efforts to repair damages done by Identify Theft. Please let me know what additional information is needed to repair damages and repair credit as all of this has caused a lot of financial stress,  inability to open another bank account, increased XXXX, restricting funds to provide for our family and limitations on what I am able to do now that my social security number and all personal information has been compromised. 
My Son also had his paychecks from XXXX going into his account and the money that was in the account ending in XXXX was all used to pay back unauthorized transactions from government benefit deposits that I did not initiate of make use of. Prior to this he had a balance of XXXX. Now he also had to start over as is money are parts of our savings were used to pay back funds we did not authorize in or out. Out of mine and my wifes savings XXXX was not recovered Our bank account had been compromised Bank of America has treated us like criminals and very rude to us since all of this has happened. At no point helping us or providing any helpful information

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
Consumer complaint received 2020-08-17 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-08-17 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: PA

Complaint narrative:
THE FCRA states that any inaccurate or non factual information on a consumer credit report should be removed from the credit report. I have found non factual information listed on the following collection accounts and want these collection accounts removed from my credit report. FCRA also states that I can file a lawsuit for damages if laws are broken as well. Collection Accounts can not be considered OPEN accounts. XXXX XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX  XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information.

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 2020-08-17 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:
The companies are reporting inaccuate items on my 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 explanation
Consumer complaint received 2020-08-17 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: NY

Complaint narrative:
FEMA/Treasury grant from Hurricane Sandy Flood Disaster from XXXX converted to a loan illegally in XXXX and at an interest rate of 40 % in bad faith showing on my credit report as delinquent. Which is in correct because I am in court with legal disputes and also making paying every month from my USA Treasury check as dispute continue. There is a legal court document granted against FEMA/Treasury signed by a Federal Judge. There is also medical necessity and sufficient proof from supporting papers that there is a major violation of Federal Truth in Lending Disclosures Act and credit reporting act under FTC law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
FEMA/Treasury grant from Hurricane Sandy Flood Disaster from XXXX converted to a loan illegally in XXXX and at an interest rate of 40 % in bad faith showing on my credit report as delinquent. Which is in correct because I am in court with legal disputes and also making paying every month from my USA Treasury check as dispute continue. There is a legal court document granted against FEMA/Treasury signed by a Federal Judge. There is also medical necessity and sufficient proof from supporting papers that there is a major violation of Federal Truth in Lending Disclosures Act and credit reporting act under FTC law.

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 2020-08-17 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: OH

Complaint narrative:
There are accounts on my credit report that do not belong to me I have tried many times to get these accounts removed from the credit reporting agencies but it is still not done. I have never done business with any of these companies and this is effecting my credit negativity and it is stopping me from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: OH

Complaint narrative:
There are accounts on my credit report that do not belong to me I have tried many times to get these accounts removed from the credit reporting agencies but it is still not done. I have never done business with any of these companies and this is effecting my credit negativity and it is stopping me from buying a home.

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 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Franklin Collection Service, Inc.
State: OH

Complaint narrative:
I received a collection notice from Franklin Collection Services. On my first three attempts, I had a problem using their website to pay off my {$130.00} collection bill. I paid the collection bill over the phone on Tuesday, XX/XX/2020 in which an agent informed me that they will no longer make any derogatory reports on my credit. However, to summarize the number of derogatory reports that they have made on my account, the made several in almost a ten day period about the same collection notice meaning that duplicate reporting of the same debt constitutes inaccurate credit reporting which is a violation of the FCRA. The dates are as follows : 1. XX/XX/2020 2. XX/XX/2020 3. XX/XX/2020 4. XX/XX/2020 ( The same day the dept was paid off ) 5. XX/XX/2020 ( After the debt was paid off ). 
6. XX/XX/2020 ( After the debt was paid off ). 
7. XX/XX/2020 ( After the debt was paid off ). 

In addition, on Sunday, XX/XX/2020, I filed a complaint against Franklin Collection Agency with the XXXX  and The Ohio Attorney General. I called Franklin Collection service again on XX/XX/2020 after receiving another notification of a negative inquiry on my account for the same debt that was paid off. 

The debt collector does not have collection authority on this account which represents an inactive debt and several duplicate reporting for the same account and the multiples, all six of them, should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: OR

Complaint narrative:
I am XXXX XXXX XXXX  advocate She passed away XX/XX/2020. 
I sent in 3 reports with XXXX XXXX and all pertinent identifying info to each credit agencies now 6 weeks ago to freeze here reports.i received a credit report from experience but nothing else from the other two with no credit freeze info industry acted. Useless. 
My name is XXXX XXXX XXXX her roommate and I have POA. Sent in a copy of this also. 
What a response and credit freeze applied. Have cancelled all her CC etc.

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 2020-08-17 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am XXXX XXXX XXXX  advocate She passed away XX/XX/2020. 
I sent in 3 reports with XXXX XXXX and all pertinent identifying info to each credit agencies now 6 weeks ago to freeze here reports.i received a credit report from experience but nothing else from the other two with no credit freeze info industry acted. Useless. 
My name is XXXX XXXX XXXX her roommate and I have POA. Sent in a copy of this also. 
What a response and credit freeze applied. Have cancelled all her CC etc.

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 2020-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX I received a direct deposit of {$450.00} on XX/XX/XXXX I tried to send money out my account was locked I received an email saying that I should regain access within 24 hours this was the last response I got from cash app support. At this point I have emailed them and direct message cash up support on XXXX  and emailed their support team through the app as well and have not gotten a response at all I've had people try and scam me but no one from cash app officially has emailed me back my money is still there I just can not use it this is all of my paycheck from my previous job

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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