vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 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: MI

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

My student loan accounts and payments are not uniformed across the XXXX credit reporting agencies. XXXX and Equifax are still reporting late payments on a closed account while XXXX has the accounts removed. 

Everything must be uniformed across all credit reporting agencies and if not it is an inaccuracy and violation under the FCRA. 

The account number and dates of these accounts are : XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been trying for 3 days to have a credit freeze temporarily removed from my Equifax account. I have called and talked with 4 different individuals. I have no access to my account. My password has been reset 3 times by Equifax and only works the 1st login then reverts back to the " incorrect information '' scenario. I have attempted to reset the password myself and I either get -- '' information does not match '' or the link is never sent to my email. I have spent an exorbitant amount of time on the phone with Equifax to no avail. I am trying to open a bank account and have spoken to the lender after Equifax has told me the freeze is lifted and the bank tells me it is not. I am being held hostage and I am unable to conduct business due to the incompetence and technical disaster they call a website -- -please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: NY

Complaint narrative:
ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND XXXX XXXX SHALL BE DELETED PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH results FROM IDENTITY THEFT

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 2022-02-10 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:
ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND XXXX XXXX SHALL BE DELETED PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH results FROM IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
A fraudulent charge of {$520.00} was posted on my card on XXXX XXXX, XXXX. Bank of America credited that amount to me on XXXX XXXX, XXXX. The merchant then credited me {$1000.00} on XXXX XXXX, XXXX. Bank of America collected that amount in two transactions for {$520.00} on XXXX XXXX, XXXX. At that point the fraud claim was closed. 
Then on XXXX XXXX, XXXX Bank of America made an accounting error and charged my card a third time resulting in an erroneous charge of {$520.00} being posted to my card. I have called since XXXX and every single day on the week of XXXX XXXX. I have spoken to fraud claim representatives and escalated to management. I was finally told over the phone and by USPS mail that accounting saw their error and would correct it by crediting my card {$520.00} in 7-10 business days from XX/XX/XXXX or on my XXXX statement. 
I paid the {$530.00} balance on my account as my payment was due XXXX XXXX, XXXX or I would incur a late payment fee that I would no doubt have to fight as well. 
On XX/XX/XXXX my statement became available to me and there is still no credit to my account besides the {$530.00} that I paid with my money. Bank of America has not credited me the {$520.00} that they owe me and has dragged this issue out to the point where I paid for their accounting error with my own money.

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 2022-02-10 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: OK

Complaint narrative:
On XX/XX/XXXX, and XXXX I spoke with a representative ( XXXX XXXX ) in Consumer Affairs office. XXXX XXXX emailed me a link to submit my DL, SS card, and my report regarding identity theft. XXXX XXXX told me that she would follow up on the following day. 

I never heard back from XXXX XXXX and now I am being told that my documents can not be located. I still have proof of the emails with the link that XXXX XXXX sent me. To send your DL and social security card to Equifax and they are careless with such important documents is unacceptable. They are now asking me to Mail my personal documents through the mail. I refused because last year I forwarded the same documents through the mail certified with a return receipt. Equifax received the documents ( proof by the return receipt ) and they lost my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: VW Credit
State: CO

Complaint narrative:
I had a XXXX lease, with a co-signer that terminated in XX/XX/XXXX. In XX/XX/XXXX, I declared Chapter XXXX bankruptcy. VW Credit stated that a re-affirmation was automatic if we continued to make payments, and no paperwork would be needed. ( Specifically, customer service told me and my lawyer " we ( VW Credit ) don't do paperwork anymore '' ). I assumed that my credit report would reflect ongoing payments, but it never did -- only indicating that I declared bankruptcy, meanwhile notating a repossession that occurred in XXXX. 

Upon the conclusion of the lease, I sold the vehicle to a dealer. Following a dispute to XXXX, VW Credit 's credit bureau reporting has since been updated to only state " Chapter XXXX bankruptcy '' with no mention of the repossession or any negative remarks. However, my XXXX and XXXX still contain negative remarks and negative payment history ( meanwhile not indicating a high/low balance or anything like that ). Because I declared Bankruptcy, there should not be any negative remarks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I contacted one ink on XX/XX/XXXX when my insurance company issued me a payment of {$3400.00} and went to a virtual card that is backed by this company. I tried to do a transfer to my checking account XXXX, XXXX XXXX doesn't do transfers to XXXX, I was only trying to get the funds into my checking account the easiest quickest way. We discussed it during the call that an acquaintance that was at my house, to have the funds transferred to his account, I was under the impression it would immediately be transferred. XXXX XXXX  took his information from me XXXX XXXX at first, but everything was very confusing and h ees took the phone gave them his information, XXXX XXXX, bank is XXXX XXXX, they knew I wasnt the account thg holder, but they put me as owner of account and made transfer without my initial approval, and they told me the time frame 1 to 4 business days after the transfer was made. Because of time frame I stated I did not want to make the transfer on the same call. I spoke to a supervisor and they said they could not stop it but there was no problems because I could get ahold of my adjuster and they can stop paymen. That was a Friday evening. I contacted American modern immediately, they sent emails to my adjuster and supervisor because my adjuster wasn't in until the following Wednesday. I contacted American modern all through that week, starting on Monday, they said they were putting a stop payment, there should be no problems. I contacted them multiple times, I could never get any phone calls or emails back from anyone. I found out they could not stop payment, and said I needed to dispute with XXXX XXXX XXXX XXXX XXXX had me as account holder XXXX XXXX XXXX XXXX his name. My adjuster stated they where not supposed to transfer funds to a non insurer. So they initiated the transfer without my confirmation and they did not give me a time frame until after the transfer 1 to 4 business days. I told them I did not want to do the transfer. They said they couldn't back out of it. Now I don't have the funds, can't get ahold of XXXX XXXX, I've tried and tried, and I did not give it the final okay before they submitted it. I've tried to correct this, and would have never transferred, knowingly it was going to be 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 non-monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
My ex-spouse used my identity to open accounts without my knowledge while we were separated. I completed an identity theft report and sent it to the creditor. They still have not removed it 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 2022-02-10 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:
XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Account # XXXX / Account ID XXXX XXXX XXXX I am disputing the XXXX of 2021, 30 days delinquent mark on my credit report. 
this is an error please remove.

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 2022-02-10 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: IL

Complaint narrative:
This is an ongoing dispute with Experian to dispute a couple accounts that were included in a XXXX XXXX  bankruptcy, the public record has been removed from my credit report. I've disputed exhaustively, numerous times to have the XXXX remark removed from the below accounts, especially since XXXX and XXXX report the counts as " closed by credit grantor ''. These are the accounts and dates disputed for each : XXXX XXXXXXXX, 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 XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 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 explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2022-02-10 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: CA

Complaint narrative:
My AppleCard is shared with my child via Apple Family Sharing. It is all above board and has been charging on it for a while. Child needed a XXXX XXXX appt on XX/XX/XXXX for travel and tried to pay online with Applecard for the appt. It was declined and we verified it immediately as a genuine charge. Tried a few times, ea time got declined. I used my XXXX to reach out to Applecard and ask what was going on. They never provided an answer, never got back to me. I am fully paid up, I usually pay this card balance off at least twice a month because it's on my XXXX, I see a balance and just pay it all the time. I have an excellent credit rating. 

My adult child has since left for XXXX XXXX on XX/XX/XXXX, they used the Applecard successfully in XXXX. I thought I'd better inform AppleCard that the user was traveling : a travel notice. I did that at XX/XX/XXXX at XXXX and the AppleCard responder ( everything is done via imessage ) was affirmative that everything was fine. By XX/XX/XXXX XXXX, Goldman Sachs Applecard was calling me at work that they'd locked my card. I was working and couldn't answer " safety questions '' while working, they caught me off guard. I asked them to call me back later. At my break XXXX, I messaged AppleCard and gave them a call back time when they asked of XXXX. Waited until XXXX, messaged them again. They could not help me, telling me that a " specialist '' would contact me. 

I now have my family member in XXXX XXXX at this point, with no functioning AppleCard. I have no functioning Apple card. Goldman Sachs won't treat me like a human and actually deal with this. I've done nothing wrong, I'm a verified user, my family member is verified in Family Sharing. I've read since that AppleCard can lock up users Apple IDs capriciously. I can not access the AppleCard statements which are all on the iphone wallet, the lock takes away all access. I am blinded to what possible issue might be going on - the area is now blank. 

Have you helped in these types of cases, and what advice can you give me? AppleCard Goldman Sachs isn't treating me like a human. AppleCard and Goldman Sachs have unsupportive behaviours and put their customers in jeopardy. The AppleCard isn't physical for my traveling family member, it's all on the iphone in they're hand - no one can steal their number or card. I gave AppleCard a travel notice. What possible fraud can they be so concerned about that they refuse to clarify with me? What more can I do? They refuse to talk to me. Please help me get an answer from this company and re-assurance that they're not going to affect my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Ashley Furniture XXXX. They billed my account for 400.00 additional dollars without notifying me upon my first in store order. 
XXXX. They delivered a damaged item and made me go through the warranty process instead of replacing it with a new couch with a value of 4000 dollars. 

I am disputing the account and requested that they pick up the item and cancel the order but they sent a repair man instead. 

I went into the XXXX XXXX store where the couch was purchased to disucss and he advised that they would replace with a new unit. They did not and after that visit I was not contacted by XXXX to schedule the delivery of a new Couch. 

They caused my credit to drop by 30 points due to the over limit amount please request that they remove any discrepancies from my account.

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 2022-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My ex-spouse used my identity to open accounts without my knowledge while we were separated. I completed an identity theft report and sent it to the creditor. They still have not removed it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2022 Check N Go threatened to come to my job to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
My issue with Capitol One started. When the secondary owner on an account called customer service to have him removed from the account. Somehow during this process my account was frozen and locked. I called in and they told me that I needed to have my husband call back in to resolve some issue. He did and I called because my account was still frozen. They said that he didn't call in. We ended up doing a XXXX way call and got transferred to the customer protection department where someone hung up on us. We called back in again and we got ahold of someone who seemed to know what they were talking about. Turns out My husband had all ready called in and resolved the issue. Not sure why the other reps weren't able to see, and telling me it still hadn't been done. I was told at that point that I would not be able to use that account anymore. I would need to open a new capitol one account, and transfer funds over. I created a new account called back in and they transferred to money. I told the lady that i was still expecting a direct deposit to come thru so i wanted to leave some money in the account. They told me they would be transferring my old debit card to the new account. I attempted to use the card and it didn't work. When I called someone told me that I would not be able to use my old debit card with the new account. I also asked why my direct deposit hadn't come thru yet. She told me the account was closed, and would not be able to accept that deposit. I would have to wait until the deposit was received by my employer. I asked an account manager to provide me with a letter explaining what happened. I wanted this to inform my creditors that I would be able to pay when I received my funds. Capitol one refused. They offered me a very disappointing apology and failed to explain what steps they would take to prevent this from happening in the future. Dont use Capitol One because : Service reps are poorly trained Service reps provide in accurate information Service reps may close your account without your permission Capitol one forces you to call in multiple times because they fail to correct the issue the 1st time. 
Capitol one doesn't care about their customers

Company response to consumer: Closed with explanation