vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-20 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX Decreased by {$13.00} This company keeps bringing my credit score lower and lower. I payed off my balance back in XXXX and closed my account with them. I DO NOT OWE THEM ANYTHING. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Account name is XXXX Bought a new apple computer under Goldman Sachs XXXX XXXX Apple 's XXXX % for XXXX months deal. Received the computer around XX/XX/XXXX. Problems with the computer, and Apple told me I needed to buy a better more expensive one. To buy the new one on Apple card, they told me I needed to add money to the Goldman Sachs account since I did not have a high enough limit. 

Called Goldman Sachs, with the Apple rep on the phone on or around XX/XX/XXXX. Paid using ACH in that phone call.Here is that transaction record for {$3300.00} Posted Transactions XX/XX/XXXX APPLECARD GSBANK PAYMENT XXXX XXXX XXXX XXXX {$3300.00} Details Category : XXXX XXXX Credit Card Payments On or around XX/XX/XXXX, Apple had me return the laptop, and rebuy it using cash. Therefore, my entire {$5000.00} original balance became available to me, plus Goldman Sachs still held the additional {$3300.00}. I called Goldman Sachs on or around that same day. Goldman Sachs XXXX Apple Card call center ) promised that it was refunding me the {$3300.00}. 

The money has not arrived. I called Goldman Sachs again today. They admitted that in fact they had not taken any action to return the money. They admitted that it is my money. Although there is no dispute, they said that they are initiating a " dispute '' and that the soonest they will return the money -- which they essentially borrowed from me for no reason -- is XXXX days from now. 

At this point, they are holding my money that they admit is mine. That is stealing. I told them they are required to send my money back right now. 

All the Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Trans Union is Reporting on my credit report false and miss leading and fraudulent Inquiry on my credit report I did not authorized all of the Inquiry and all Inquiry are Fraudulent Please delete off my credit report at ones and I send in a FTC report just like Trans Union ask me to do and all Fraudulent INQUIRIES are still on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
BANK OF AMERICAN IS TACTICALLY DELAYING AND OFFERING MISINFORMATION OF DEBTS AND CREDITS ON ITS CONSUMER PORTAL IN ORDER TO CHARGE THEM A OVERDRAFT FEE. BANK OF AMERICA IS TACTICALLY DELAYING THE POSTING OF SECURE FUNDS FROM OTHER WELL ESTABLISHED INSTITUTIONS SO THAT THEY CAN MISLEAD CUSTOMERS ABOUT THE BALANCES AND CHARGE THEM A FEE. 

ALSO BOA HAS INCREASED ITS FEE WITHOUT PROPER NOTICE OR EMAIL NOTIFICATIONS OF UPDATE FEE SCHEDULE

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 2021-11-20 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: CA

Complaint narrative:
I have sent my identity theft report that was filed with the Federal Trade Commission and I have sent a copy of my police report to the credit bureaus. As the law indicates, the credit bureau shall take action to block and remove this fraudulent account from my credit report. There has been a multiple attempts of identity theft against me. Identity thieves used my personal information for their own benefit in order to obtain services with false pretenses. I mentioned the fraudulent account in my identity theft report and I will mention it here as well. The fraudulent account is XXXX XXXX BANK XXXX XXXX and the partial account number that I was able to obtain is XXXX. Once I was informed of this fraudulent activity, I immediately placed a fraud alert with all the bureaus in order to prevent further fraudulent activities. Additionally, I requested from all the bureaus to remove the fraudulent accounts and inquiries that were placed on my credit report without my consent because the said account never belonged to me. I never associated with XXXX XXXX Bank before and as mentioned the account does not belong to me. I requested the account to be removed not just a simple dispute to be placed on a file that will eventually be useless. The consumer voice is important as well because the said financial institution used my personal information to open a fraudulent account to an identity thief. The credit bureau request an identity theft report filed with the Federal Trade Commission, and I was able to provide it. The credit bureau asked for a police report, I was able to provide it. Simply, I was able to provide all the necessary documentation requested by the credit bureaus in order to have this fraudulent tradeline removed from my report and yet nothing has taken place.

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 2021-11-20 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: SC

Complaint narrative:
I am sounding the alarm on Equifax, XXXX, and XXXX! This is the case because Equifax continues to hold my credit reports hostage by refusing to send me my own credit reportswhile they illegally monitor, manipulate, and intentionality, maliciously, and recklessly expose, conspire, and disseminate my confidential identifying information to like-minded perpetrators to use and misuse continuously! It is time to take action against Equifax for its targeted, intentional efforts to use the credit bureaus as a tool to discriminate and oppress the XXXX American community! It is time to investigate Equifax and ENFORCE THE LAW under the Fair Reporting Credit Act! Our democracy is at stake, as credit bureaus hold important identifying information that when placed in the wrong hands can do significant harm. Therefore, I am demanding that the Consumer Financial Protection Board, The Federal Trade Commission, and local, state, and federal law enforcement agencies take IMMEDIATE action against Equifax for its ongoing intentional, breach of consumer information. 

XXXX XXXX XXXX is suspected of working with Equifax to target the credit of XXXX Americans, who may be in the process of buying a home or attempting to get the best rates on insurance, etc., by intentionally reporting false and inaccurate information. For example, when I applied for credit in XXXX at XXXX XXXX XXXX, the store XXXX, who ran my credit, stated that I had good credit. However, I learned shortly thereafter that the store XXXX had reported a false address, XXXX XXXX XXXX XXXX, XXXX XXXX, South Carolina, and another XXXX XXXX person falsely reported late payments for XXXX and XX/XX/XXXX. However, there was only ONE late payment in XXXX, XXXX ( Please see attached evidence ). I demand, based on the laws under the Fair Reporting Credit Act, that this false and inaccurate information be deleted from all three credit bureaus immediately! I find it VERY strange that the store XXXX stated that they only report to Equifax, but XXXX JUST ADDED the fraudulent 30 days to my XXXX report AFTER the last Complaint I filed with the Consumer Financial Protection Board. Also, XXXX is reporting the fraudulent 30 day late payment as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: CA

Complaint narrative:
On XXXX, I requested my 3 credit reports from XXXX XXXX XXXX XXXX XXXX through certified mail. My request arrived on XXXX. On the request form it clearly states my request would be processed within 15 days. It has now been more than 15+ days with no credit reports or mail communication. I am in dire need of my credit reports as I can not operate as a consumer if I cant see my credit information. I am losing consumer time & confidence.

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 2021-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
On XX/XX/21 I made a purchase of electronics and furniture at XXXX 's XXXX. The purchase was financed through Conn 's Credit Corporation IncXXXX and included a Pac-Man Legacy video arcade game for {$640.00} and 6 dining room chairs for {$140.00} per chair, plus a delivery charge of {$140.00}. The finance agreement also included an insurance policy which I was told was required but could be canceled with proof of homeowners insurance. I was able to pick the arcade game up from the XXXX 's warehouse that same day. The store promised to deliver the XXXX dining chairs the next day on XX/XX/21. The items were not delivered as promised and so I returned to the store on XX/XX/21 and requested a refund for the dining chairs. In addition, I requested a price match guarantee credit for the video arcade game and provided proof of homeowner 's insurance policy and requested cancelation of the XXXX 's insurance coverage. The store provided an invoice with a credit of {$210.00} for the price match guarantee and credit of {$1000.00} for the dining chairs. I was advised by the store XXXX, XXXX that I would receive a new payment schedule in approximately 30 days. I received the revised payment schedule reflecting monthly payment amount of {$28.00} as well as proposed life and disability insurance documents issued by XXXX XXXX XXXX XXXX XXXX of Florida with proposed premium in the amount of $ XXXX.I did not request nor approve life and disability coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX, I requested my XXXX credit reports from XXXX XXXX XXXX XXXX XXXX through certified mail. My request arrived on XXXX. On the request form it clearly states my request would be processed within XXXX days. It has now been more than 15+ days with no credit reports or mail communication. I am in dire need of my credit reports as I can not operate as a consumer if I cant see my credit information. I am losing consumer time & confidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: FL

Complaint narrative:
XX/XX/XXXX I needed to remove a credit freeze from XXXX credit reporting to finance a leased car. I attempted to use the pin they provided in XXXX when i froze credit checks and there is nothing on their web site allowing me to unfreeze. i filled out all my personal info ( address, social sec #, bday, etc. and still got nowhere when i tried clicking on relevant buttons got no reaction. 

I then tried to call and went through three long verbal ads and tried to dial XXXX  for help but ads kept coming. unreasonably difficult to reach customer service and remove freeze. 

I am furious that an entity that tracks my life can do so with impunity and providing me very difficult ( i couldn't fix credit freeze ) path to cusotmer service. they only focus on selling fee for service and could care less about impact on non-paying people they collect and report information on. 

I think they should be forced to make it easier to correct problems on their data bases. 
Would never recommend or pay for anything XXXX provides. They are one of the worst companies i've run acress in my XXXX  years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: WA

Complaint narrative:
This the XXXX time my mortgage servicing company XXXX Axos Bank  XXXX has failed to apply my payments to my accounts since the loan was originated XXXX  months ago. The previous XXXX issues were resolved after many hours spent on the phone and reversing late payment charges. I am requesting assistance from CFPB for systemic issues with AXOS bank. 

I have setup automatic payments through AXOS website for 'the statement amount ' and additional principal of {XXXX}. On XX/XX/XXXX XXXX was debited from my checking account by AXOS. AXOS shows this transaction within my account but has failed to apply the payment to the mortgage. As a result they show my mortgage as past due and have issued late payment fees and interest. AXOS claims that my payment was increased by {XXXX} as a result of escrow recalculation. AXOS has failed to provide any notification of this recalculation and actually refused to provide the calculations to me. Simple math projections show this increase in escrow is not justified. Further AXOS has failed to provide account statements since XXXX of XXXX. I have not received statements for the months of XXXX, or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: NV

Complaint narrative:
There are accounts listed on my credit report that do not belong to me. Please remove them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: NV

Complaint narrative:
There are accounts listed on my credit report that do not belong to me. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: FL

Complaint narrative:
The company claimed that they were able to verify the bankruptcy but that couldn't have been possible due to the fact that I have a security freeze with the company that they use to alleged " verify the information ''. Even if I would have filed for bankruptcy, the XX/XX/XXXX do not provide any information to anyone. I have a copy of a letter that clearly indicates that they do not provide any information to anyone. Experian uses XXXX to " allegedly provide verification of information ''. In my case, XXXX couldn't have provided verification to them due to the fact that I have a letter ( enclosed ) which clearly states that I have placed a security freeze placed on my file.

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 2021-11-20 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: IL

Complaint narrative:
On XX/XX/2021 I wrote UNITED STATES XXXX XXXXXXXX OF ILLINOIS asking them do they report information from the courts to the credit bureaus. I received a letter from them on XX/XX/XXXX stating that The United States XXXX XXXXXXXX does NOT report any information to the credit bureaus! On XX/XX/XXXX I wrote a letter to EQUIFAX asking the method they have used to verify such information on this bankruptcy reporting on my credit file. They proceed to send me a letter stating it was verified through a third party. Without giving me any knowledge or supporting documents on who they spoke with from the courthouse on my behalf. Then i proceed to reach out to the third party source which is XXXX XXXX asking them to produce such documents. They have yet to respond on this matter. I would like this Bankruptcy removed immediately from all three credit reports. 
CASE NUMBER # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I, XXXX XXXX, consumer, original creditor have been trying to reach out to Equifax, they have not given me access to my CONSUMER REPORT and FAL REPORT. I have attached screenshots as proof. All I want is to have my CONSUMER REPORT AND FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). XXXX has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND FAL REPORT. I am entitled to a free weekly report due to the current pandemic. THIS IS MY RIGHT AS A CONSUMER

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: CA

Complaint narrative:
XX/XX/XXXX XXXX bank pulled XXXX and XXXX 's XXXX credit file without our consent. They admitted their mistake via letter that I will up load. We were in the process of refinancing XXXX  rental properties. We had to stop that process due to the unauthorized credit pull and sell the properties. The harm Caused is outlined in the law site that was filed on XX/XX/XXXX. we have incurred over XXXX in attorneys fees. The Bank still holds on the opinion that there was no harm and to this day they have still not removed the illegal authorizations. Our XXXX asked us to hire a credit expert to do a deep dive into our credit and he has provided the report. We are scheduled to appear in federal court in California in XXXX of XXXX. I will attach copies of both lawsuits tto this complaint.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: LEXISNEXIS
State: IL

Complaint narrative:
On XX/XX/2021 I wrote UNITED STATES XXXX XXXX OF ILLINOIS asking them do they report information from the courts to the credit bureaus. I received a letter from them on XX/XX/XXXX stating that The United States XXXX XXXXXXXX does NOT report any information to the credit bureaus! On XX/XX/XXXX I wrote a letter to XXXX asking the method they have used to verify such information on this bankruptcy reporting on my credit file. They proceed to send me a letter stating it was verified through a third party. Without giving me any knowledge or supporting documents on who they spoke with from the courthouse on my behalf. Then i proceed to reach out to the third party source which is XXXX XXXX asking them to produce such documents. They have yet to respond on this matter. I would like this Bankruptcy removed immediately from all three credit reports. 
CASE NUMBER # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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:
On XX/XX/2021 I wrote UNITED STATES XXXX XXXX OF ILLINOIS asking them do they report information from the courts to the credit bureaus. I received a letter from them on XX/XX/XXXX stating that The United States XXXX XXXXXXXX does NOT report any information to the credit bureaus! On XX/XX/XXXX I wrote a letter to XXXX asking the method they have used to verify such information on this bankruptcy reporting on my credit file. They proceed to send me a letter stating it was verified through a third party. Without giving me any knowledge or supporting documents on who they spoke with from the courthouse on my behalf. Then i proceed to reach out to the third party source which is XXXX XXXX asking them to produce such documents. They have yet to respond on this matter. I would like this Bankruptcy removed immediately from all three credit reports. 
CASE NUMBER # 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