vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on XX/XX/2021 I sent out a letter to Transunion asking them to remove items from my report according to the law O.C.G.A. 15 USC 1681 a ( d ) ( 2 ) ( B ). I did not receive a response from Transunion. On XXXX XXXX XXXX, I wrote an affidavit of truth and sent that to them along with the original letter and still I have not received a response. I do know according to law that after 30 days the items must be removed.

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 2021-09-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a dispute on XX/XX/21 and still have not heard back. I also sent a demand to comply letter on XX/XX/21 and have not received a response.

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 2021-09-14 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: Fidelity National Information Services, Inc. (FNIS)
State: DE

Complaint narrative:
Submitted request to verify inaccurate data and no response from company on XX/XX/21

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 2021-09-14 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm Creditor Agreed to remove charge off from my credit report once paid in full. The account has been paid in full and is still on my XXXX Credit report. 
Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is reporting this account as pastdue with a balance when it has been charged off and sold to another company. I have requested several times for this item to be deleted due to its inaccurate reporting yet it still remains and continues to negatively affect my credit. This company is associated with XXXX which has a known history of reporting inaccurate unverifiable information on consumers credit files. I have contacted XXXX repeatedly in regards to this account and was told it was sold and no longer accessible to anyone within their company.

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 2021-09-14 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: TX

Complaint narrative:
XXXX is reporting this account as pastdue with a balance when it has been charged off and sold to another company. I have requested several times for this item to be deleted due to its inaccurate reporting yet it still remains and continues to negatively affect my credit. This company is associated with XXXX which has a known history of reporting inaccurate unverifiable information on consumers credit files. I have contacted XXXX repeatedly in regards to this account and was told it was sold and no longer accessible to anyone within their company.

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 2021-09-14 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: TN

Complaint narrative:
I called Transunion today, XX/XX/XXXX, and spoke with a representative who said they could not take these unknown inquiries off my account. The inquiries are as follows : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Today, XX/XX/2021, my husband applied for a capital one card on my phone. Unfortunately, autofill switched his name to mine when enteringhis address. My credit was pulled and I received an alert. Please remove this hard inquiry from my history. I do not want to apply for another card from Capital One. One is enough!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14 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: NC

Complaint narrative:
I HAVE NOT GIVEN THIS COMPANY MY PERMISSION TO BRANDISH ANY PERSONAL INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: TX

Complaint narrative:
XXXX Creditor Agreed to remove charge off from my credit report once paid in full. The account has been paid in full and is still on my Experian Credit report. 
Account 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 2021-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I XXXX XXXX XXXX a consumer citizen of heaven sent a letter on XX/XX/XXXX, via certified mail with request of validation of debts. The letter was received by NAVY FCU on XX/XX/2021. Documentation attached. 

As it pertains to my consumer report, upon information and belief the company is attempting to collect an alleged debt pursuant to 15 USC 1692a ( 5 ). With respect to Account # XXXX, there is no debt owed. 

This is not a refusal with regard to payment of an alleged debt, but a request that the above claim is disputed and validation is requested ( FDCP 15 USC 1692g Sec 809b ) in the following order : Full validation such as, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies and overall compliance with all FCRA and FDCPA by laws as instructed by federal law. 

It upsetting to know such companies do not follow rules and laws. More importantly, companies such as the pursuant above should be held accountable for their actions. 
According to the FCRA a corporation is required to respond and complete and investigate within 30 days. 

As of XX/XX/2021, I still have not received anything pertaining to a complete investigation. Based upon evidence available to me, there is no debt owed. 

These laws are to make sure that there is a level of fairness to protect American consumers from nefarious, abusive reporting procedures on credit consumer reports, as well as illegal and deceptive collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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 3 credit reporting agencies are reporting a bankruptcy. And will not release how they verified the results.I have a letter from the county house that states they do not relese any info to 3 rd party company's.And all of my search companies like lexes nexus is frozen.This is the 3rd time they have not followed the rights of the fair credit reporting act.And have violated my rights.Please help me have these accounts deleted thank 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 explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have the Bank of America Premium Rewards credit card. The customer service at Bank of America has deteriorated to the point that it is nearly impossible to get assistance from any agent. You are given a confusing labyrinth of an automated system which simply hangs up on you if you make a wrong selection. If you are lucky enough to reach a customer service agent, they will tell you they can't help and transfer you to another department that will refuse to help as well. That is what happened when I called today. My credit card allows for a {$100.00} airline incidental rebate per year for incidental air travel purchases ( see attached ), such as WiFi or baggage. If the airline does not code the purchase correctly, you must call and provide proof that it was a qualifying purchase and they will manually adjust the balance for you. Recently, I took a two domestic flights on XXXX XXXX ( a qualifying airline ) and purchased WiFi ( an eligible charge ) for {$12.00} and {$16.00} for each leg of the flight. Due to the fact that this is billed by XXXX and not directly by XXXX XXXX, it is something that would need to be manually adjusted, which is what I was calling in today for. Attached you will find the credit card receipts showing the qualifying airline and amounts corresponding to my Bank of America credit card statement, as well as confirming it was for WiFi - again an eligible purchase. I ask that Bank of America please apply my travel credit to these eligible purchases.

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 2021-09-14 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 am a victim of 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 explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
I opened a Cryptocurrency Acct. with Coinbase.com back in XXXX. Since then I have steadily bought Bitcoin, ETC and Cardano. On XX/XX/XXXX I tried to log into my Acct using a strong pass word and 2FA. The codes would not work. Then I got an email from Coinbase that my 2FA had been changed. In the next few minutes I got about 5 emails showing various transactions that I did not do. The total amounts added up to about $ XXXX. That was the amount I had in my Acct. the previous night when I checked. I immediately shut down my acct. changed the PW on my email and the PW on my Coinbase Acct. I got an email from them asking me to take a picture of me holding up my ID and a piece of paper with the words " For Coinbase Verification '' and the date I was doing it. I did all that and even sent them a picture with my Pass Port. Since then I have called Coinbase every day and sent them emails. I get a standard email stating they have passed my case to a " Specialist '' and will " Escalate '' this case. No one ever gets back to me. I'm currently locked out of my Acct. and so dont know if my money is even there. I also called my phone provider to ask them if may be I had been SIM hacked/swaped and they said " No ''. These were funds that we had saved over a four year period. We were going to liquidate the acct. since we were in the process of buying a home this week, and this amount was the down payment. Now we lost our funds and the house we were going to buy. I have kept track of all the emails, about 10 reps that I talked too and all the transactions that I did. I seriously need some help to get my funds back. I got a case # which is XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: TX

Complaint narrative:
I was in an approved disaster mortgage forbearance with XXXX ( XXXX XXXX XXXX ) due to Hurricane Harvey from XXXX. I paid off the entire amount in full prior to the deadline of the forbearance in XXXX. When I checked my three credit reports in XXXX of this year, I noticed that all three were showing that I had been more than 180 days late on that account in XX/XX/, which was incorrect as I have never been late at all. Since then, I have called and emailed XXXX numerous times, submitted multiple disputes through the credit bureaus, spoken to XXXX XXXX, and now you all. The past several XXXX supervisors have acknowledged their error and told me that they would fix the issue to show " no data '' for that time period, but it never gets fixed. I just received yet another email from XXXX showing that the dispute has not changed anything yet again and it remains status quo. Their incorrect information is affecting my credit score negatively. 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 explanation
Consumer complaint received 2021-09-14 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: TX

Complaint narrative:
I was in an approved disaster mortgage forbearance with XXXX ( XXXX XXXX XXXX ) due to Hurricane Harvey from XXXX. I paid off the entire amount in full prior to the deadline of the forbearance in XXXX. When I checked my three credit reports in XXXX of this year, I noticed that all three were showing that I had been more than 180 days late on that account in XX/XX/, which was incorrect as I have never been late at all. Since then, I have called and emailed XXXX numerous times, submitted multiple disputes through the credit bureaus, spoken to XXXX XXXX, and now you all. The past several XXXX supervisors have acknowledged their error and told me that they would fix the issue to show " no data '' for that time period, but it never gets fixed. I just received yet another email from Experian showing that the dispute has not changed anything yet again and it remains status quo. Their incorrect information is affecting my credit score negatively. 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 explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
Covington Credit/ SMC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX has reported that I owe {$890.00} on an accouint that was allegedly opened in my name in XX/XX/2017. I don't know this company nor do I have a contract with them with my signature on it. This company has not responded to my letters asking how did they validate the account was mine. It's been beyond the 30 days alotted for them to conduct an investigation. I have also filed a complaint with the FTC for possible identity theft which means they have to delete and supress this alleged debt in 4 business days from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: FL

Complaint narrative:
The 3 credit reporting agencies are reporting a bankruptcy. And will not release how they verified the results.I have a letter from the county house that states they do not relese any info to 3 rd party company's.And all of my search companies like lexes nexus is frozen.This is the 3rd time they have not followed the rights of the fair credit reporting act.And have violated my rights.Please help me have these accounts deleted thank 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 explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
I have been successful in removing some accounts from SCA collections off of my credit report due to HIPPA violations but other accounts remain from the same creditor. XX/XX/XXXX an account was removed due to HIPPA violations but recently other accounts have been updated. 

The information is very inconsistent and unreliable. This is causing adverse effects to me obtaining credit. The same account number shows as deleted and then it also shows as updated on the same 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 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Im unable to open a bank account anywhere even after paying off the debt that I did not owe. I called the branch that I had the account with and they blamed me! Nothing has been done. All of my information was stolen from me my freshman/sophomore year in college and was used to put fake checks into my account. Ive been trying for the past four years to get another bank account and or credit Union and it wont work. I need a bank account it is 2021 and this is out of hand. I feel lost and uninformed on what to do to fix this so that banks can stop denying me!

I have a copy of my reports but I dont know what to do with the 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 2021-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Im unable to open a bank account anywhere even after paying off the debt that I did not owe. I called the branch that I had the account with and they blamed me! Nothing has been done. All of my information was stolen from me my XXXX year in XXXX  and was used to put fake checks into my account. Ive been trying for the past four years to get another bank account and or credit Union and it wont work. I need a bank account it is 2021 and this is out of hand. I feel lost and uninformed on what to do to fix this so that banks can stop denying me! 
I have a copy of my reports but I dont know what to do with the 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 2021-09-14 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: DISCOVER BANK
State: TX

Complaint narrative:
Credit reporting shows a past due balance on a charged off account. How can there be a past due balance when the account has been written off? I have requested several times for this inaccurate information to be deleted yet it has not.

Company response to consumer: Closed with explanation