vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

XXXX. XXXX XXXX XXXX {$120.00} Shows charged off. I never opened this account. 

XXXX. XXXX XXXX Balance {$490.00} Shows closed. I never opened this account. 

XXXX bank XXXX {$0.00} I never opened this account 4. XXXX XXXX XXXX {$0.00} I never opened this account 5. XXXX XXXX XXXX  This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late. 

6. LVNV funding Balance {$460.00} They claimed this account was collections for XXXX XXXXXXXX. Again I never had any open account for XXXX  XXXX as they are claiming. 

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: AZ

Complaint narrative:
I sent the company a certified letter asking to update my payment history accurately. The company never responded to me nor provided proof as they stated that they responded on XX/XX/21. I included their false response confirming the dates they received and responded also confirming their acknowledgement dates. In addition, they have violated responding to me within 30 days of receiving dispute. They have lied that they did as the address they sent other correspondence to is incorrect as well. You will notice on my certified letter I enclosed my proper address and still failed to respond to me. Also, in their previous response to my complaint, no document was provided for the date they speak off 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 2021-04-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I sent the company a certified letter asking to update my payment history accurately. The company never responded to me nor provided proof as they stated that they responded on XX/XX/21. I included their false response confirming the dates they received and responded also confirming their acknowledgement dates. In addition, they have violated responding to me within 30 days of receiving dispute. They have lied that they did as the address they sent other correspondence to is incorrect as well. You will notice on my certified letter I enclosed my proper address and still failed to respond to me. Also, in their previous response to my complaint, no document was provided for the date they speak off 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 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
They claimed that I ordered " TransUnion Report, Score, and 3-Bureau Credit Monitoring '' and charge me {$27.00} I never ordered anything. Their website is exceptionally deceptive. 

Had to give credit card number in order to get 'free '' credit score. They never disclosed any charges, certainly not {$27.00}

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 2021-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

XXXX. XXXX XXXX XXXX {$120.00} Shows charged off. I never opened this account. 

XXXX. Capital One Balance {$490.00} Shows closed. I never opened this account. 

XXXX bank XXXX {$0.00} I never opened this account 4. XXXX XXXX XXXX {$0.00} I never opened this account 5. XXXX XXXX XXXX This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late. 

XXXX. XXXX funding Balance {$460.00} They claimed this account was collections for capital one. Again I never had any open account for capital one as they are claiming. 

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
The company involved is Binance.US, XXXX XXXX XXXX  Due to their automated system, they disabled my ability to trade and withdraw due to a chargeback. This seemed fair to me. However, even after the chargeback was " processed '', they state this on my account history, my trading is still disabled after over three weeks. Their customer support only responds to my email inquires with messages such as " sorry for the delay, we are experiencing many tickets ''. Further, they have no customer support phone number. They are literally holding a large portion of my net worth hostage due to their lack of customer support. It is ridiculous and frustrating. I believe the company should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
AmeriCredit is reporting unauthorized credit inquiries on my XXXX  credit report. There are two inquiries both dated for XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

1. XXXX XXXX Balance {$120.00} Shows charged off. I never opened this account. 

2. XXXX  XXXX Balance {$490.00} Shows closed. I never opened this account. 

3.Barclays bank Balance {$0.00} I never opened this account 4. XXXX XXXX Balance {$0.00} I never opened this account 5. Department of Education This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late.

6. XXXX funding Balance {$460.00} They claimed this account was collections for capital one. Again I never had any open account for capital one as they are claiming.

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills.

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 2021-04-01 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

1. Wells Fargo Balance {$120.00} Shows charged off. I never opened this account.

2. XXXX  XXXX Balance {$490.00} Shows closed. I never opened this account. 

3.Barclays bank Balance {$0.00} I never opened this account 4. XXXX XXXX Balance {$0.00} I never opened this account 5. Department of Education This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late.

6. XXXX funding Balance {$460.00} They claimed this account was collections for XXXX. Again I never had any open account for XXXX XXXX as they are claiming.

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills.

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 2021-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial
State: NY

Complaint narrative:
WEST CREEK FINANCIAL IS REPORTING ACCOUNT INACCURATE ACCOUNT SHOWS 30 DAYS LATE AND 60 DAYS LATE, THIS ACCOUNT WAS DISPUTED IN XX/XX/2020 IS CAME BACK AS VERIFIED AND NO DISPUTE REMARKS ADDED ALSO THIS ACCOUNT WAS LAST VERIFIED AND REPORTED XX/XX/2020 NOT XX/XX/2020, ACCORDING TO FEDERAL LAW THIS ACCOUNT IS IN VIOLATION PLEASE REMOVE ACCOUNT IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 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: TN

Complaint narrative:
In XX/XX/2021 I sent letter requesting an investigation into some things my credit report that I believed were suspicious. I have yet receive a response from you I want all this problem get fixed right away and I will not wait another months to receive your response. Failure to investigate these issues within 30 days provides a reason to delete those items from my credit report immediately, according to Section 611 ( a ). They should be removed as soon as possible because it has been 60 days passed and I never heard from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime bank I added funds to my credit builder account on the morning on XX/XX/21 while at home on XXXX XXXX XXXX. 16 minutes later, {$190.00} dollars was withdrawn from XXXX XXXX XXXX on XX/XX/21. Ive never been to that store before. This transaction caused my Credit Builder account to become overdrawn.

I called the bank to report fraud, they told me to wait until the funds settled. The funds settled on XX/XX/21. I emailed a claims/dispute form to Chime on XX/XX/21. My claim was denied and by I closed my account on XX/XX/21. On XX/XX/21 I received an email from Chime reversing a decision and rewarding me {$100.00}, half of the money stolen from me. The overdue amount remained. On XX/XX/21 I sent two emails proving that I was at my home during the time of the transactions and my claim was still denied. The old account is still overdrawn, I have not received any of my stolen funds and Chime bank threatens to report the overdrawn account to all three credit bureaus. It is a banks responsibility to provide security for their customers but I was left vulnerable and they did nothing to correct the issues. Chime is an untrustworthy company and is in need of major improvements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: NC

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: NY

Complaint narrative:
There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

1. XXXX XXXX XXXX {$120.00} Shows charged off. I never opened this account. 

2. XXXX XXXX Balance {$490.00} Shows closed. I never opened this account. 

3.XXXX XXXX  Balance {$0.00} I never opened this account 4. XXXX XXXX Balance {$0.00} I never opened this account 5. Department of Education This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late.

6. XXXX funding Balance {$460.00} They claimed this account was collections for XXXX XXXX. Again I never had any open account for XXXX  XXXX as they are claiming. 

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills. 

There are also several inquiries, I have not applied for any new credit in the last 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

1. XXXX XXXX Balance {$120.00} Shows charged off. I never opened this account. 

2. XXXX  XXXX Balance {$490.00} Shows closed. I never opened this account. 

3.XXXX XXXX Balance {$0.00} I never opened this account 4. American Express Balance {$0.00} I never opened this account 5. Department of Education This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late.

6. XXXX funding Balance {$460.00} They claimed this account was collections for XXXX XXXX. Again I never had any open account for XXXX XXXX as they are claiming. 

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Auto Finance and Capital One are reporting unauthorized credit inquiries on my credit report. They are reporting as follows. 
COAF on XX/XX/2020 to XXXX Capital One Auto Finance on XX/XX/20 to XXXX Cap One AF on XX/XX/20 to XXXX Capital One on XX/XX/2020 to XXXX Cap One NA on XX/XX/2020 to XXXX  Capital One on XX/XX/2020 to XXXX Capital One on XX/XX/2020 to XXXX Capital One on XX/XX/2020 to XXXX Capital One on XX/XX/2020 to XXXX Capital One on XX/XX/2020 to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: AR

Complaint narrative:
I did not authorize nor did I ask any of these companies to pull my credit. it has been well mover 30 days and there has been no conclusion of the investigation I've asked for.

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 2021-04-01 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I did not authorize nor did I ask any of these companies to pull my credit. it has been well mover 30 days and there has been no conclusion of the investigation I've asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: NY

Complaint narrative:
There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

1. XXXX XXXX Balance {$120.00} Shows charged off. I never opened this account.

2. XXXX XXXX Balance {$490.00} Shows closed. I never opened this account. 

3.XXXX XXXX Balance {$0.00} I never opened this account 4. XXXX XXXX Balance {$0.00} I never opened this account 5. Department of Education This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late.

6. XXXX funding Balance {$460.00} They claimed this account was collections for XXXX XXXX. Again I never had any open account for XXXX  XXXX as they are claiming. 

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills. 

There are also several inquiries, I have not applied for any new credit in the last 4 years.

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 2021-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I am having a very hard time dealing with Golden1 Credit union on a car loan. I recently went bankrupt due to the pandemic, I lost my job and I decided to keep my vehicle in order to continue searching for a job and transport my family. I called the bank to let them know my situation last year, they help me reducing my payment from {$580.00} to {$440.00} for 12 months only. I told them I was going to file for bankruptcy and wanted to keep the vehicle, and they told me to call them back once I was discharged from chapter XXXX to discuss my other options. Few months after I did, with my discharge documents and they ask me to send the discharge documents, plus a hardship letter to see the other options. After receiving all that they send me a letter with my new lower payment of {$330.00} for 12 months. I was very happy until they decided not to honor it, saying they made a mistake on my loan, that they already modify my payment previously. Where I am standing today XX/XX/21 is whit another plan with payment of {$450.00} for 38 months, after being treated very disrespectful over the phone for several months now. I never been late on my payments with them, and I really want this people to do something else for me. My vehicle is worth {$13000.00} and I still owe them {$16000.00}. I ask them to give me 48 months instead to lower my payments, but don't think they want to do it, they are very arrogant when I try to continue to negotiate, after the fact that they are not honoring what they put on paper for me. They should reduce my balance to get to the lower payment they offer me, and never deliver. Please help me!!

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 2021-04-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have reach out to each of these companies to remove the inquiry, they advised me to reach out to credit bureaus. I have sent several letters and the inquires has not been removed yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: GA

Complaint narrative:
First Investors Financial service is reporting unauthorized credit inquiries to my credit file as follows. 
First Invst SVC/First  on XX/XX/XXXX to XXXX  First Invst SVC/First on XX/XX/XXXX to 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