vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 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: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-02-17 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:
I was checking my credit report, there are so many negative information. I told you, these information do not belong to me. XXXX sure that someone have my personal 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 2022-02-17 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:
I was checking my credit report, there are so many negative information. I told you, these information do not belong to me. Im sure that someone have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: PA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I purchased two pair of sneakers in XX/XX/. The sneakers were not as described on the website and I contacted the merchant and they would not give me a refund unless they had made a mistake. I contacted PayPal and put in a dispute about this. PayPal told me to go through Synchrony Bank the parent company with my complaint which I did. They gave me a refund on XX/XX/XXXX and PayPal rescinded that payment on XX/XX/XXXX. I am not sure what is going on with this. I just contacted them again and now they are telling me to send them the same information that I previously submitted. I thought consumers had the right to return merchandise that did not fit the description that was given. The sneakers can not even be worn for anytime and they said great for diabetics.

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 2022-02-17 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: IL

Complaint narrative:
There are two items on my Apple Credit Card that I do not seem to be able to get Goldman Sachs to resolve. I understand they are extremely new to consumer credit cards, but it is nearly impossible to get any documentation out of them and to keep track of anything going on with the investigations. I am uncertain if they ever look at the supporting documentation provided via email. The transactions I am having issues with are {$560.00} from XXXX on XX/XX/2021 and {$290.00} from XXXX on XXXX/XXXX/2021. I have brought these to XXXX 's attention several times but have been unable to workout a proper resolution for either. I have never received the purchase from XXXX to this day and have been unable to resolve the issue with the company ( it is an independent seller within XXXX platform that sold me shoes but never delivered ), and XXXX  delivered another item in place of what I actually ordered in XXXX and I've been unable to resolve the issue either with Goldman or XXXX. For above reasons, I'm looking to dispute both transactions and have {$860.00} credited to my Apple Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: PA

Complaint narrative:
I was a victim of identity theft. I sent XXXX, TransUnion, and XXXX my FTC report on XX/XX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-02-17 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: PA

Complaint narrative:
I was a victim of identity theft. I sent Experian, XXXX, and XXXX my FTC report on XXXX/XXXX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-02-17 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: CNG FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I opened an XXXX dispute for my XXXXCNG account balance not being reported correctly. The creditor was not honest during the dispute investigation and has refused to update my account balance with XXXX for over 75 days. The creditor has been reporting the wrong account balance for several months since the loan was awarded in late XX/XX/XXXX. According to my online account information, I have a XXXX balance. Because, of the last payment received by the creditor in late XX/XX/XXXX in the amount of {$3500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX my CASH APP Visa Debit card was charged {$170.00} to XXXX XXXX. I had not authorized this purchase. XXXX was in another city and a hotel I had never heard existed. I immediately contacted CASH APP to have my card canceled. In the interim, I contacted XXXX and told them the situation. They claimed that the reservation was made via their mobile application. They also stated that XXXX XXXX XXXX checked in via the mobile application. Their process of checking in does not require a valid ID to present at their front desk. Instead, a XXXX XXXX app was used to check in and unlock the door. All this was to my surprise as I have never signed up for this service and held no profile. CASH APP then told me I would have to wait 45 days for the merchant to close out this claim. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I had contacted CASH APP support and was told that they were elevating the situation to a specialized team and I would hear back in 24-48 hours. This was all done on the CASH APP application on my cell phone for the XXXX you call stated that their advocates were not available to take any calls for they are busy with taking other calls. Great logic. I was always given the same copy/paste message from CASH APP support except for today, where I was informed that my case was closed in my favor and that the provisional credit was permanent. I would guess this response came from the fact that I had used XXXX to publicly state that they have been ignoring me for months. In today 's response, CASH APP states that {$170.00} was credited to my account on XX/XX/XXXX, but under complete disguise as " Unlike refunds, provisional credit does not appear in your Activity Tab or prompt notifications. ". They also went ahead and gave some made-up scenario that when they deposited the money, i had XXXX balance. My CASH APP statement for XXXX started with {$22.00} and ended in {$0.00} and with all the transactions on my statement, it's a fact that there was no additional {$170.00}. The fact that they told me that they ruled in my favor and lied about paying me is borderline criminal. I would have accepted if they stated I lost the appeal. Their unprofessional business practices should not go unnoticed. Just as I am held responsible for my actions, why can't CASH APP?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company.They shouldnt have access and that's a violation under the HIPAA Act of 1996 which state, Generally your health information can not be used for purposes not directly related to your care without your permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: Siggi LLC
State: NY

Complaint narrative:
This account was closed, charged off, and sold. Due to them selling the account they can not list a balance and can not be reported on my report due to NO LEGAL CONTRACT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-02-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
Around XXXX of XXXX I entered into a mortgage forbearance plan with US Bank due to a decrease in income related to XXXX. When my forbearance plan ended last year, US Bank offered me a loan modification. After submitting the notarized loan modification forms to them several times, each time they returned the papers with vague reasons why they were unable to accept them. Finally, they said that too much time had passed and I would need to reapply for mortgage assistance, which I did. 
After several weeks they again sent out loan modification paperwork which I then took to XXXX XXXX in XXXX XXXX XXXX to be notarized. Per tracking information from XXXX, these papers were received on XXXX, XX/XX/XXXX. On XX/XX/XXXX I received another packet from US Bank with a letter stating that they could not accept my paperwork and new loan modification paperwork to complete by XX/XX/XXXX. Today at XXXX XXXX my wife and I called US Bank to speak with a loan modification employee regarding why they could not accept the papers that were sent to them ( yet again ). The employee named " XXXX '' ( unsure if spelled exactly correct ) stated that it was either due to the notary not signing a paper, or that I signed in print ( I am unable to sign in cursive ). He was unable or unwilling to tell me what paper the notary did not sign correctly, and also stated that the loan modification forms MUST be signed in cursive even though I do not know how to write in cursive, and my initial mortgage papers were signed in print without an issue. 
At this point I am VERY concerned that I may lose my home to foreclosure due to the constant refusal of US Bank to accept notarized paperwork. Every time the papers are submitted, there are different excuses why they are unable to accept them. Please help!

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 2022-02-17 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: AZ

Complaint narrative:
The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late Open : XXXX XXXXXXXX Balance : {$330.00} Date Opened : XX/XX/XXXX {$330.00} Late Close : XXXX XXXXXXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} Chargeoff : XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( Chapter XXXX bankruptcy ) XXXX XXXXXXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( Chapter XXXX bankruptcy ) XXXX XXXX XXXXXXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( Chapter XXXX bankruptcy ) Bankruptcy : Chapter XXXX Bankruptcy Status : XXXX XXXX Date Filed/Reported : XX/XX/XXXX Collection : XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( Chapter XXXX bankruptcy ) XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ( Chapter XXXX bankruptcy  )

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 2022-02-17 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: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, Wells Fargo opened a checking account in my name. I received email that notified me of the new account, and that additional information would be required to make it active for use, then I received an email confirming it was officially open and ready to use. The account was opened using my SSN, fraudulently, online. 

The account has been closed, and no financial transactions took place because I alerted Wells Fargo the same day I received the email that I had not opened the account. WF referred for fraud investigation internally, and found that it was fraudulently opened and do not " hold me responsible ''.

My complaint is that WF opened this account without a proper identity verification and that they will not provide me, the victim, how identity was verified ( both mechanism used and ID shown to them ) what other information was used that is my personal 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 explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
XXXX XXXX had my mortgage and sold it to Freedom Mortgage in XX/XX/2021. I was not aware of this. I continued to pay XXXX XXXX  on time each month. The 1st 2 months it was ok because by law stating the lender has 60 days to forward to the the newest lender if I would send it to the wrong one. I live in XXXX, WI XXXX. BUT I use an XXXX, WI address for receiving all mail. XXXX XXXX was aware of this but when it got sold to Freedom mortgage XXXX XXXX  did not let Freedom Mortgage know that the mailing address had a different city & zipcode compared to primary residence. Athelstan post office does NOT deliver mail. XXXX, WI does. The paperwork did not go to the XXXX, WI Address. Hence I missing 5 months worth of payments that reduced my credit score drastically by XXXX XXXX. I found this out when I received an alert from XXXX XXXX to check my credit and found out Freedom Mortgage now had my mortgage and showed i missed 5 payments. My bank XXXX XXXX was sending my checks back to me uncashed. I could not figure this out til it was too late. Damaged has already been done. My lender who refinanced my VA loan helped me straightened it all out as to catching up with my payments YTD and who to pay now, Freedom Mortgage. As you can see with the letters I have attached they all show XXXX address. I would not have received these. I did clear this up with Freedom Mortgage once i paid the YTD in full to show up to date mortgage payments. 
Biggest thing is how can we fix my credit and reimburse the late fees and costs.?

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 2022-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This account was closed, charged off, and sold. Due to them selling the account they can not list a balance and can not be reported on my report due to NO LEGAL CONTRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation