vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/21 I was alerted that my credit score decreased due to 75 % credit card utilization that was reported from Bank of America in XX/XX/21. My statement date for this credit card is the XXXX of each month and was at a XXXX  balance on XX/XX/21. My credit report with XXXX  is showing the amount owed prior to me making the payment on XX/XX/21, this needs to be corrected immediately, this incorrect data has brought my score down 26 points on my XXXX  score and 10 points on my XXXX  score. I need this information updated with the XXXX  amount owed as shown on my statements from 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 2021-06-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
Village Capital constantly reports my mortgage loan as late when in fact its not. I have filed multiple complaints and then they reverse the credit report. Then once its time to report for the next month it gets reports inaccurately AGAIN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have dispute this account XXXX/XXXX  and the student loans on my credit file and it was deleted then it came back on I didn't received to verification for this account in the mail at all from the creditor or the credit bureau at all I never do and when I dispute something as fraud and I report it to the FTC all they say is account verify as accurate because they verify my name address what verification is that and I never received anything in the mail at all I submit my letter my FTC report my ID I do my part but the credit report is not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-13 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: GA

Complaint narrative:
On XX/XX/21 I was alerted that my credit score decreased due to 75 % credit card utilization that was reported from XXXX XXXX XXXX in XX/XX/21. My statement date for this credit card is the XXXX of each month and was at a XXXX  balance on XX/XX/21. My credit report with transunion is showing the amount owed prior to me making the payment on XX/XX/21, this needs to be corrected immediately, this incorrect data has brought my score down 26 points on my transunion score and 10 points on my XXXX  score. I need this information updated with the XXXX  amount owed as shown on my statements from 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 2021-06-13 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: GA

Complaint narrative:
On XX/XX/21 I was alerted that my credit score decreased due to 75 % credit card utilization that was reported from XXXX XXXX XXXX in XX/XX/21. My statement date for this credit card is the XXXX of each month and was at a XXXX  balance on XX/XX/21. My credit report with XXXX  is showing the amount owed prior to me making the payment on XX/XX/21, this needs to be corrected immediately, this incorrect data has brought my score down 26 points on my XXXX  score and 10 points on my XXXX  score. I need this information updated with the XXXX  amount owed as shown on my statements from 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 2021-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
THEY BREACHED HIPPA. I received an account in collections through Finance systems of Toledo with absolutely no written notice. No phone call, or anything related to debt. Not only this, they have information that I never gave permission to have released through HIPPA. This is unacceptable, so not only was there a failure to file a written notice they breached my right to privacy through healthcare.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Car was totaled on XX/XX/2021. Since that time my insurance company ( XXXX XXXX ) has made repeated and unsuccessful attempts to contact Kia Motors Finance to obtain a letter of guarantee stating they would send XXXX XXXX the title for the vehicle once they issued Kia Motors Finance the check for the vehicle. I have also reached out to Kia Motors Finance on multiple occasions and have been unsuccessful as well. I have received a default notice from Kia Motors Finance and this account is still showing on my credit report. It has been 6 months that XXXX XXXX and myself have been trying to resolve this. XXXX XXXX has the check ready to be sent to pay this account in full but Kia Motors Finance has refused to cooperate resulting in a negative impact on my credit score and my ability to obtain financing. XXXX XXXX clearly informed Kia Motors Financing via repeated emails/phone calls of what was needed to issue payment and resolve this account in full, Kia Motors Finance will not respond or comply.

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 2021-06-13 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 have dispute this account XXXX/XXXX and the student loans on my credit file and it was deleted then it came back on I didn't received to verification for this account in the mail at all from the creditor or the credit bureau at all I never do and when I dispute something as fraud and I report it to the FTC all they say is account verify as accurate because they verify my name address what verification is that and I never received anything in the mail at all I submit my letter my FTC report my ID I do my part but the credit report is not

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 2021-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying to get updates from off my credit reports. Please remove all unverifiable and unauthorized negative accounts. Or I will have to file for litigation. Please have them update the credit reports immediately. This is against the CFPB regulations and guidelines

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 2021-06-13 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: CA

Complaint narrative:
As of XX/XX/2021 I was locked out of my coinbase account due to a supposed suspicious activity. The last thing I did was place an order for about {$500.00} worth of Cardano. Within 2 days I attempted to change my password to regain access to my account. The password change seemed to work but I was still unable to access the account through my phone or the web portal. 

I have continuously received phone calls from people with XXXX accents who are claiming to be Coinbase support. They seem to have some way they can see what's happening in my account and know my name, but when I ask them what the process is for removing the security block they hang up on me. 

I've sent emails to coinbase support, coinbase security, and have filed a formal complaint with them. The last response I got from anyone was XX/XX/XXXX. They've been completely negligent with access to my funds as there has been no resolution to my problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-13 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$16000.00}, {$14000.00}, {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ive made numerous attemps to remove this account off my credit, even tried going through the company as well. This account was due to identity theft. Ive already sent documentation that was requested to the bureau

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 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, Im here to follow up with my last complaint that I made towards my credit report having some inaccuracies. I stated to the credit bureaus that a public record ( bankruptcy ) was showing inaccuracies on it, and they need to delete for not following the FCRA Guidelines towards compliance on having accurate data across all 3 bureaus.

I will attach my new report that I pulled today to show that after disputing serval times with them, I still come back with the same inaccurate data.

Here are the following sections I've disputed with them on inaccurate data : -Inaccurate court name across all the bureaus -Inaccurate Fillind dates -Inaccurate Reference #

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have not been receiving statements from Chase for my business account. I was told that mail was returned by the post office, and therefore the bank stopped sending me statements. I have called multiple times to let them know that the address on file is CORRECT and that statements should be sent as normal. However, this has not happened and I am still not receiving statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive made numerous attempts to remove this account due to identity theft. I even sent the documents requested by the bureaus.

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 2021-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UPGRADE, INC.
State: NC

Complaint narrative:
I am XXXX years old and had many visas. Upgrade Visa is by far the worst I have ever dealt with. About 3 months ago There were discrepancies in billing @ {$230.00} was not deducted from my Visa after 45min.wait for customer service, and a letter They did reimburse me finally. Now I have a credit from XXXX XXXX Rental. Not showing where it was credited. Also, on the attached copies you will notice something called update Exported Disbursement???? Customer service did not know what this is and nether do the amount of credit was {$490.00} shows as a post payment but does not show that it was a credit from XXXX highlighted in yellow. Customer service insisted that I did receive my credit ( sorry I have 0 Confidence in ability. My question am I just a victim of circumstance or are they dishonest with many others. What needs to be done here a full-blown investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: TX

Complaint narrative:
I have been trying to get updates from off my credit reports. Please remove all unverifiable and unauthorized negative accounts. Or I will have to file for litigation. Please have them update the credit reports immediately. This is against the CFPB regulations and guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, Im here to follow up with my last complaint that I made towards my credit report having some inaccuracies. I stated to the credit bureaus that a public record ( bankruptcy ) was showing inaccuracies on it, and they need to delete for not following the FCRA Guidelines towards compliance on having accurate data across all 3 bureaus.

I will attach my new report that I pulled today to show that after disputing serval times with them, I still come back with the same inaccurate data.

Here are the following sections I've disputed with them on inaccurate data : -Inaccurate court name across all the bureaus -Inaccurate Fillind dates -Inaccurate Reference #

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 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, Im here to follow up with my last complaint that I made towards my credit report having some inaccuracies. I stated to the credit bureaus that a public record ( bankruptcy ) was showing inaccuracies on it, and they need to delete for not following the FCRA Guidelines towards compliance on having accurate data across all 3 bureaus.

I will attach my new report that I pulled today to show that after disputing serval times with them, I still come back with the same inaccurate data.

Here are the following sections I've disputed with them on inaccurate data : -Inaccurate court name across all the bureaus -Inaccurate Fillind dates -Inaccurate Reference #

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 2021-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I sent Capio Partners , LLC a U.S. certified debt validation letter approximately on XX/XX/2021 ) requesting that it also provides my legal authorization and initiation for it to gain access to my personal information. Capio responded with a letter ( see attached XXXX dated XX/XX/2021. The letter does not include what i requested for legal authorization debt validation, permissible purpose, nor how it accessed my personal information to report to major credit reporting bureaus ( for example, XXXX and XXXX ). The letter from Capio states that the account is closed and returned to the client. I do not know who the client is. The letter also lists an account number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am unable to reach Experian they have not a single person you reach by phone. They are unethical and fraudulent. I understand they get by on advertising and selling credit cards to people but they will not speak to me about my issue. I paid off a loan of {$53000.00} and my score has continually gone done the past 3 months. My credit was almost nearing perfect and I was downgraded almost 53 points for paying a loan off. Experian should be stopped and shutdown for there interfering with the truth. They lie and cheat to make money. 

Please let me know how I can fix this issue with Experian 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 2021-06-13 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Dear Sir/Madam Comenity Bank acct # XXXX I filed a dispute with all three credit bureau, XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter on XX/XX/XXXX with a return receipt asking the original creditor Comenity Bank to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to Comenity Bank, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? 
Thanks for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: IN

Complaint narrative:
I filed a complaint with this company before and I got a letter from them about the issue and now I have a new issue involving making payments. I logged in to pay off my credit card last month. Instead of the payment going through on that date, they posted the payment date as XX/XX/XXXX. It was showing in pending payments. So, I thought it would go through on Saturday, XX/XX/XXXX. I made sure I had enough funds in my checking account to cover the payment. The payment never went through. I went back to the website and the pending payment is gone and it shows I never made a payment so now I am late which means they can charge me a late fee. This is the issue I had before with this company. This company is fraudulent and actions should be taken. Actions need to be taken.

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