vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-07 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: Kashable LLC
State: TX

Complaint narrative:
This complaint seeks to have kashable LLC and XXXX identify why is there a report of a XXXX day late reporting to XXXX on an account that was paid and closed in XX/XX/XXXX with Kashable LLC. I've tried to bring this to the attention of Kashable supervisor ( who I was told was on the phone and then at lunch and he would return my call but never did ). I continued to make calls attempting to rectify this issue, using all my time and energy for this egregious error that caused an XXXX point decrease in my credit score. I brought this to the attention of Kashable and they deny they reported this ( although I disputed the 30, 60, 120 day late they did report back in XX/XX/XXXX and again in XX/XX/XXXX ). I was told by XXXX supervisor that it was the creditor that report these items. I am back and forth between XXXX and Kashable and both are saying it was not them it was the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: FL

Complaint narrative:
I DID AUTHORIZE THESE HARD INQUIRES XXXX XXXX XX/XX/XXXX ( TRANSUNION ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/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 2021-12-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I DID AUTHORIZE THESE HARD INQUIRES XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ) XXXX XXXX  XXXX XX/XX/XXXX ( EXPERIAN ) 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 2021-12-07 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: FL

Complaint narrative:
I DID AUTHORIZE THESE HARD INQUIRES XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( EQUIFAX ) XXXX XXXX XXXX XX/XX/XXXX ( EQUIFAX ) XXXX XX/XX/XXXX ( EQUIFAX ) XXXX XXXX  XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
All these accounts do not pertain to me its fraudulent and not my information. And I would like them to be removed from my credit report. I would also like this issue to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HEAD MERCANTILE CO., INC.
State: MS

Complaint narrative:
A debt collection agency by the name of HMC GROUP is reporting a debt on my XXXX, XXXX, and XXXX XXXX reports. The amount of the debt reports to be for {$260.00}. The report that the account Original Creditor was XXXX HOSPITAL XXXX XXXX and was opened on XX/XX/2021. 

I have filed several disputes with this debt collector as this was an account that I have no knowledge of nor did I authorize it being open. This account was paid by my employer/insurance company or workers compensations plan. However, the company always comeback with the standard response as, " Verified as Accurate ''. However, no further details are provided. No copies of a DL or any type of documents to suppose the opening of the account or to support the validity of the account As a result of this inaccurate and incorrect reporting, my security clearances with my present employer are in direct jeopardy and I could very well loose my job. To that end, I am requesting a thorough review and these reporting 's be removed from my XXXX, XXXX, and XXXX credit reports immediately and sent back to the original creditor for further review and investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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:
I am XXXX XXXX and I am submitting this complaint myself. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Transunion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my report. Below are the inquiries thatare still reporting on my report and needs to be REMOVED COMPLETELY FROM MYCREDIT REPORT : ( XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXnquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: MI

Complaint narrative:
I tried to make a transfer gor XXXX  and they debited my account but said XXXX  was not debited. My money was never returned. Today my account was debited XXXX from my account. My card is turned off and been turned off yet someone was allowed to take XXXX  off my account and say it was debited for cash as if they had my card and debited cash. I no longer want to use this company. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank closed my credit card on XX/XX/21 without any prior warning. I've had the account for almost XXXX decades. They did not give me advance notice in writing, phone, or email. In order to re-instate the account they would need to pull a new credit report. I do not want to pull a credit report because I do not want my credit score negatively impacted for an account that I had open for a long time.

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 2021-12-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I had a XXXXXXXX XXXX Student Loan serviced by Firstmark. The balance was {$210000.00} on XX/XX/XXXX. I had initially planned to refininance roughly XX/XX/XXXX between XXXX and XXXX XXXX. My XXXX ( serviced by Firstmark ) refinance for {$110000.00} was completed and applied to the XXXX loan on XX/XX/XXXX. Ultimately, it made more sense to refinance the balance entirely through XXXX XXXX ( serviced by XXXX ). XXXX XXXX payed Firstmark {$210000.00} on XX/XX/XXXX. Firstmark applied {$100000.00} of this to the XXXX XXXX Loan to close it out. They reasonably elected to apply the balance of {$110000.00} to the commonbond loan on XX/XX/XXXX, closing it out and leaving a credit of about {$6000.00}. I contacted XXXXFirstmark a few times and was assured that XXXX XXXX would be receiving the credit of {$6000.00} within a week or 2. 

I received a Loan paid in full letter from FirstmarkXXXX on XX/XX/XXXX. To my dismay, on XX/XX/XXXX, I checked my account and found that I am noted to be past due. Firstmark reversed the {$110000.00} payment. I called them on XX/XX/XXXX. Initially, I was told that the check bounced, or that I had stopped payment or something. After numerous calls and emails a few days per week, I am told that they are investigating it. They refuse to take me out of past due status in the meantime. They haven't refunded me or XXXX XXXX. They refuse to escalate me to supervisors in customer service and every time I call, they tell me they are putting in a request for a review, and I will hear from them in 1-2 business days. Emails note to expect a reply within 2-3 business days. They have not reached out to me at any point despite numerous promises of a resolution being a couple days away for the past 2+ weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I am a soldier in the United states XXXX and was deployed. While deployed got XXXX snd was sent back to XXXX. upon returning I realized my td bank card and XXXX cards wee missing. I dont remember if I took them with me on deployment or not but while deployed we used a different card called an XXXX XXXX XXXX  which can not be used for fraudulent activities because it doesn't have any card numbers on it. Our money gets loaded on the cars. I contacted td bank and filed a claim and so contacted XXXX  to file a claim. They did the investigation and said they couldn't find fraudulent activity. Yet the amount of money I lost was a huge amount of money that I need to be replaced. I am highly disappointed in XXXX ans td bank as I have been with them for a long time. I expect them to do better.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-07 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: TX

Complaint narrative:
My credit report indicates accounts and car loans/leases that do not belong to me. Addresses an names. personal information that is incorrect an misleading used to obtain credit, please start a re-investigation an update the incorrect information thats on my credit report! This is causing undie XXXX XXXX  to me and my family in a global pandemic.

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 2021-12-07 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: TX

Complaint narrative:
My credit report indicates accounts and car loans/leases that do not belong to me. Addresses an names. personal information that is incorrect an misleading used to obtain credit, please start a re-investigation an update the incorrect information thats on my credit report! This is causing undie XXXX XXXX to me and my family in a global pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL 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 2021-12-07 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : 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 non-monetary relief
Consumer complaint received 2021-12-07 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: MS

Complaint narrative:
A bank by the name of XXXX XXXX XXXX is reporting a debt on my XXXX, XXXX, and Experian Credit reports. The amount of the debt reports to be for {$180.00} and was opened on XX/XX/2018. 

I have filed several disputes with this debt collector as this was an account that I have no knowledge of nor did I authorize it being open. It is the result of some form of ID Theft. however, the company always comeback with the standard response as, " Verified as Accurate ''. However, no further details are provided. No copies of a DL or any type of documents to suppose the opening of the account. 

As a result of this inaccurate and incorrect reporting, my security clearances with my present employer are in direct jeopardy and I could very well loose my job. To that end, I am requesting a thorough review and these reporting 's be removed from my XXXX, XXXX, and Experian credit reports immediately and sent back to the original creditor for further review and investigation.

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 2021-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc.
State: CA

Complaint narrative:
Received letter. Never received anything from this company prior. I have lived in XXXX XXXX since 1994. I am not sure what this company is doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: PA

Complaint narrative:
I called transunion so many times to have these inquiries deleted. Remove inquiries immediately as they are unauthorized and I did not consent.

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 2021-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I reported several fraudulent transaction in my checking account with Bank of America on XX/XX/XXXX. presently the bank has partially refunded debit charge claims. XX/XX/XXXX, I received a letter from bank of america claiming they are unable to refund my ach claims. 
claim number : XXXX 1. {$110.00} -- -- XXXX -- -- - has been refunded 2XXXX {$33.00} -- -- -- XX/XX/XXXX -- -- -has been refunded XXXX -- -- -- XXXX -- -- has been refunded 4. {$1000.00} -- XXXX 5. {$320.00} -- -- XXXX 6.XXXX  -- -- XXXX 7.XXXX -- -- 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 2021-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Payward Ventures Inc. dba Kraken
State: IL

Complaint narrative:
On XX/XX/2021, I sent 2 transfer requests each of around 30 Solana ( each Solana was about {$230.00} at that point in time ) from my Kraken account to another exchange. A few minutes later, only 1 transaction of 30 Solana reached my other account. I then immediately launched a help request to clarify what happened. Customer service replied and acknowledged that it was a bug on Kraken 's side and that developers were on it to try and fix and correct this mistake. 

Ever since then, I have been following up with the Kraken team. However, I have been told the same thing for the past 2 weeks : their developers are still working on it with no ETA. They have not provided me with the reason or cause and have only mentioned that their developers are working on it. I have had to ask for an update 4 times in the last 14 days and up until now, all I have been told is that they will provide updates when they are available. This is extremely unacceptable as all updates have only come after prodding Kraken for more information. Additionally, with the volatility of Solana in recent weeks, missing 30 Solana has resulted in me losing money as I have been unable to liquidate that 30 Solana. 

Kraken has said that my account will be credited with 5,000 Kraken fee credits ( KFEE ). This means that the next 50 USD in trading and margin fees will be paid by them. This is not useful to me at this moment because I can not trade these credits and turn them into cash like I had intended to with the Solana that had gone missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Claims Bureau, Inc.
State: NY

Complaint narrative:
I received a letter from Professional Claims Bureau LLC stating that I owe {$75.00} in copay for a medical appointment on XX/XX/2021. I have a receipt from that appointment with a signature from the office front desk staff that the copay of {$75.00} was paid in cash. Please see attached document for both the letter and the receipt. 
Therefore, this is not a debt I owe and this companys contacting me to collect a bill I have already paid for is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX {$350.00}

Company response to consumer: Closed with explanation