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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Personal information as well as all financially obtained documents and other safeguarded information, medical/dental records, employment records, and educational records and students loans and ID 'S have been stolen or viewed by persons with no consents to do so by myself. Personal information was shared by these people to my community for all to hear my protected information and business, as well as phone data info and personal and business contacts and names shared with the same undignified route. All info was announced to citizens and throughout the city; including aired in all businesses and public places via loudspeaker and PA 's. XXXX date XX/XX/23 with no ends thus far and dates are as I know of at this point. Reported to IC3.gov and local law officials thus far. All issues are on a local, state, federal level and include violations of civil and privacy right laws, employment laws, stalking and harassments included on public and private properties. 

** please correct personal info to .whitt

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been fighting with ally  for double reporting and disputed it On all my reports XXXX XXXX just took it off again. Equifax initially removed the balance after they dropped the ball initially. They were reporting an account I had that had a sketchy payment history, so it would be view as negative. Then another account stating I owed XXXX to them. I asked for proof of debt, never got it. Informend them they were double reporting my account. They kept the one stating I owed them deleted my actual account. I complained yet again, this time they didnt delete the account but XXXX the balance. Well, Ive been fighting this on all three agencys and XXXX XXXX just deleted it this morning. I look at my equifax and it says I owe XXXX again! I came with receipts this time. This needs to be deleted off my report. They have damaged my credit and cost me tons in interest. There was a time it was my only blemish for a short period but I never got a fair shake at credit due to it and Im trying to close on my house next week and they pull this hoodwink! Attached is my one account stating XXXX balance. Along with the equifax screen shot of XXXX balance as well as XXXX  finally doing the right thing and deleting it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/XXXX around XXXX I received a notification from XXXX XXXX stating that a new collection was added to my credit report as I proceded to go take a look I noticed it was from a XXXX XXXX creditor in which was reopened by a collection agency by the name of LVNY FUNDING LLC . I was stunned to see that over XXXX $ was used on a credit card that I had NOT a piece of knowledge about or how it was even put in my name l check my credit and monitor it daily and wasn't sure how this could even be possible. The date it said it was opened was back in XXXX XXXX on the XXXX, I was never aware of this problem until the date XX/XX/XXXX I've contacted XXXX XXXX stating my situation and all other credit bureaus such as XXXX, XXXX, and XXXX and also obtained a police report to report identity theft in an attempt to get the problem removed, disputed, investigated and resolved.This Problem Has had me stressed since the day it occurred and hope it can get fixed as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX around XXXX I received a notification from XXXX XXXX stating that a new collection was added to my credit report as I proceded to go take a look I noticed it was from a navy federal creditor in which was reopened by a collection agency by the name of XXXX XXXX XXXX XXXX I was stunned to see that over XXXX $ was used on a credit card that I had NOT a piece of knowledge about or how it was even put in my name l check my credit and monitor it daily and wasn't sure how this could even be possible. The date it said it was opened was back in XXXX XXXX on the XXXX, I was never aware of this problem until the date XX/XX/XXXX I've contacted Navy Federal stating my situation and all other credit bureaus such as XXXX, XXXX, and XXXX and also obtained a police report to report identity theft in an attempt to get the problem removed, disputed, investigated and resolved.This Problem Has had me stressed since the day it occurred and hope it can get fixed as soon as possible

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 credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I noticed when I went online to pay the monthly bill I had incurred interest that wasn't supposed to be there till XX/XX/XXXX, I got the {$5000.00} loan XXXX XXXX, XXXX, for electrical work. I called to see why this was happening and XXXX just explained about the monthly payments not going up. Not the question I asked. 
I was told when I got the loan we had a 6 month grace period with no interest. We have already paid more than half ( {$3000.00} ) of the loan already but it has incurred almost XXXX dollars in interest since XXXX XXXX which I looked back on the statements is when they started the interest. 
I asked XXXX again why I was incurring interest and she went to talk to a manager I suppose. She came back and stated that I was not put on the no interest for 6 months program. So said I will be contacting the state attorney general about the Bate and Switch and then I thanked her because I had a drs. appointment in half an hour and hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Apple Card they just randomly closed my credit card with no explanation no warning and they said they cant reopen but my credit score is above XXXX nothing wrong

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: SC

Complaint narrative:
I opened an Amex credit card in XX/XX/XXXX ending in XXXX. 

In XX/XX/XXXX, I received an alert that there was fraud on the account. It was a charge from XXXX. 

I cancelled the account and reopened it to prevent future fraud. 

On XX/XX/XXXX I received a charge for {$350.00}. I did not authorize this charge. I contacted customer service and they stated this charge is irreversible. 

I have paid the charge to not impact my XXXX XXXX on XX/XX/XXXX and closed the account on XX/XX/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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX / XXXX : XXXX, XXXX, XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX / XXXX : XXXX, XXXX, XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
I pray you can assist me in filing a complaint against Atlantic Union Bank. I took out in XXXX, VA. I have called the bank numerous times. I have begged and pleaded with them to fix this issue. They will not assist me in getting my account amount lowered with them at all. I thought I had a fixed rate. None of my paperwork is signed that was given to me. I have read that sometimes entities will go in and add information. I thought was rate was fixed. My initial rate was 2.840 %, dated XXXX to XXXX. I could afford the payment of {$430.00}. On XX/XX/2023, I went to another branch, and got a letter stating fixed rate at 9.27 %. XX/XX/2023 that it was going up to 10.80 % and just received a letter, XXXX XXXX and its going up to 11.09 %. I am semi-retired and get social security once a month. I am working which started at 5 days, then 3 days and now 2 days. Paid bi-weekly. I AM XXXX XXXX to XXXX. I have tried, cried and pleased but they refuse. I called last week and said they could not. If changed my payment status, it would still be {$950.00}. I emailed to request all my signed documents. Please help me.

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: Closing your account — Can't close your account
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
This is a follow up to my previous complaint with Money Network. They said they mailed a check for the remaining balance on my account ( XXXX ) on XX/XX/XXXX. It is XX/XX/XXXX and I have not received the check. This is the second time they have said they are sending me a check

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: PA

Complaint narrative:
Sent a wire request to my XXXX account from Marcus nearly 2 weeks ago. No email confirm from institution of the request. They locked my account with no communication and had to talk to multiple CS reps to unlock the account. After all this hassle, they canceled the wire request about a week later. I tried to initiate an ACH from XXXX, and they locked all debits from my account with 0 communication. I have never received a single email throughout this process and have money I need stuck in this account with no way out. Reps have conflicting information and are generally unhelpful

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion continues to report inaccurate information on my credit report even though the company sent me a letter claiming they removed the disputed information. The following information does not belong to me : XXXX XXXX  XX/XX/2022, XX/XX/2022

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, I've been trying to access my online Transunion online credit report for several months now and I've been through with IT and their supervisors to no avail. I have to physically call Transunion and have a copy shipped to my temporary work address. I understand that I have the right to access, view and dispute my credit report if the services are available online. Please refer to images, I don't even have access to my old credit reports. I have no physical proof of what is being reported by Transunion for several months. The last hard copy I received on XXXX and this is not even reflected as an old report I can request/view via Transunion 's online portal. ( This is outlined on their website )

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
I was waiting on money to be deposited from a bank account the bank confirmed that Cash App had taken the money out of the bank account but Cash App kept the money and never deposited into my Cash App account. I have tried on several occassions to work this out with Cash App customer service and they have made it very difficult. They have made me wait for calls from their supervisors on several occassions which either never occurred or in the cases that I received a return phone call, I was told that the money was deposited to my account but they can't show when it was deposited and refuse to give me an explaination as to why that is. I have had them closed the issue without it being resolved claiming that they hadn't heard from me, despite the fact that I was told by customer service to wait for a call/response from a supervisor. I have been given excuse after excuse as to why Cash App won't assist me with this issue, I have even provided Cash App with confirmation from the bank that they took the money and to date I have never received the money and Cash App customer service will hang up on me every time I have tried to call in reference to this issue, this issue has gone unresolved since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XXXX XX/XX/2023 I received an email from XXXX my account only has {$30.00} in it. PayPal withdrew an additional 5 payments of {$95.00}, This brings the total withdrawn amount to {$950.00}. The details are explained in case XXXX. As a follow up and additional information on this complaint I spoke with the merchant directly who contacted their accounting office and confirmed that they did not capture these 5 transactions and there was nothing they could do to assist by reversing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Fraud wire transfer from our checking account to a fraud account. We did not do the wire XXXX : XXXX The wire is still pending and can be stopped and refunded by CHASE immediately. We disappointed to see a live wire fraud happening and the bank is unable to do anything

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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