vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 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: TX

Complaint narrative:
Hello yes contacted Experian do to unrecognized inquires due to there misreporting And their customer service would not help and take care of the negative inquiries reporting to my credit report. XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry date : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX EXPERIAN XXXX XXXX  Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/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 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau of Jamestown, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau of Jamestown, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Credit Bureau but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: WI

Complaint narrative:
on XX/XX/2021 at XXXX XXXX there was a charge for XXXX on my credit card that i did not make so i filed a complaint with my bank and they refunded me my money but crypto.com froze my account as i had some crypto with them at the time well they made me send photos of myself and change emails and banks everything was good until i wanted to sell some of my crypto on XX/XX/XXXX they would not let me sell, purchase, trade anything even after they got all accounts cleared up i think they are trying to embezzle my assets what do i do next

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 2021-10-07 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: TX

Complaint narrative:
Hello yes I have contacted TransUnion do to the unrecognized inquires and misreporting on my report And their customer service would not help and take care of the negative inquiries reporting to my credit report. 
XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX 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 2021-10-07 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: FL

Complaint narrative:
Transition and XXXX allowed XXXX to continuously report inaccurate information for several months including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. When I asked to have the information verified they did not properly verify the information and continued to allow in accurate info to be reported violating my right to a fair and accurate credit report. They allowed XXXX to continue to change the dates, and balance and statement of a collection with inaccurate information with the most recent being XX/XX/XXXX. The statue of limitation ran out on the account so XXXX reported the account with a new opening date of XXXX of XXXX when the initial account was report 2 years prior and settled.

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 2021-10-07 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
The company agreed to remove late payments for Covid-19 the months of XXXX and XX/XX/2021 due to severity which was never resolved. In addition, the company also confirmed that an automatic payment method was successfully added to my account. After having doing so, instead a 30 day late payment was reported to all credit bureaus negatively impacting my report. After contacting the company in attempts to resolve the matter the company confirmed admitting that their automatic payment processing had been compromised and that they would resolve this issue and that a new payment company would take over because other customers experienced the same issue. The company failed to notify their customers of the processing issues to begin with resulting in severe negative impact on my report. The reporting from this incident occurred on XX/XX/2021 to credit bureaus .This issue has not been resolved. This is an escalation for removal of ALL late payments. As a sole provider the me and my family are severely impacted and caused damage to my financial reputation.

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 2021-10-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX and Experian allowed XXXX to continuously report inaccurate information for several months including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. When I asked to have the information verified they did not properly verify the information and continued to allow in accurate info to be reported violating my right to a fair and accurate credit report. They allowed XXXX to continue to change the dates, and balance and statement of a collection with inaccurate information with the most recent being XX/XX/XXXX. The statue of limitation ran out on the account so XXXX reported the account with a new opening date of XXXX of XXXX when the initial account was report 2 years prior and settled.

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 2021-10-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 2021-10-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On the XXXX of Monday I spoke with BBVA to have my account closed. I also reported my debit card stolen. They said it will take 1-2 days, then a transaction took place which overdrafted my account. Funding the account will take more days to fully process then X more days to close the account. I asked them to stop all transactions on my debit and savings account, which they apparently did not do. Theyre stealing money from me and I would like my account closed immediately to prevent this ongoing theft for an account I no longer use or fund. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WELLS FARGO. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Since XXXX I have been trying to get Suntrust to report that I have consistently made my mortgage payments on time. CFPB reached out to them in XXXX of this year and Suntrust immediately sent me a letter stating they would fix the incorrect information they had been reporting which stated my payments had been 60 days late for 2 1/2 continuous years. Instead of correcting their error they removed my account from the three bureaus and are reporting nothing as of 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 2021-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Company froze over {$5800.00} in my account based on a {$43.00} chargeback, paid to me for a digitally downloaded product. 60 days later, without explanation or any evidence, they unfroze the account, with a NEW balance of {$1300.00}. After DAILY messages with both the institution and the contact I was given, I have STILL not received an explanation or any paperwork, or any other service. Additionally, as a result of the 60 day unexplained freeze, I was unable to pay rent, credit card bills, utilities, and other essential payments needed to maintain my survival. As a consequence, my credit score went from 700+ to XXXX ( checked YESTERDAY @ XXXX ). Bank of America destroyed my credit, prevented me from paying bills, and nearly got me evicted and sued by my Condo Association. Then, refused to explain WHY they froze my account, then robbed me of XXXXUSD - WITHOUT EXPLANATION. 

I have preserved the account in state as evidence, and haven't accessed it since the event.

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 2021-10-07 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: FL

Complaint narrative:
This university is trying to charge me twice for a debt I already paid to the VA office for my post XX/XX/XXXX education benefits. I have attach the proof that I pay it below with the XXXX balance from the va debt management office. I have talk this university serval time in XXXX and XXXX because its still showing up my credit report and it should not be there at all.

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 2021-10-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This university is trying to charge me twice for a debt I already paid to the VA office for my post XX/XX/XXXX education benefits. I have attach the proof that I pay it below with the XXXX balance from the va XXXX XXXX XXXX. I have talk this university serval time in XXXX and XXXX because its still showing up my credit report and it should not be there at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: FL

Complaint narrative:
This university is trying to charge me twice for a debt I already paid to the VA office for my post XX/XX/XXXX education benefits. I have attach the proof that I pay it below with the XXXX balance from the va XXXX XXXX XXXX. I have talk this university serval time in XXXX and XXXX because its still showing up my credit report and it should not be there at all.

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 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion keeps violating the fair credit reporting act 15 U.S. Code 1681i Re-inserting debt on to my credit report, Transunion is a very sneaky, and malicious reporting agency, they violate the fcra committing 15 U.S. Code 1681n, and 15 U.S. Code ss 4504 without a care in the world, 2 accounts were disputed one account tht was by law supposed to be deleted 3 yrs ago, and it is a tax lien, Transunion keeps verifying that it is not a tax lien, even after they recieved the tax lien paperwork, this is clearly willful neglect on their part continuing to report it, it is an old account that is 3 yrs past the statute of limitations for credit reporting, they refuse to remove it which is causing damage to my credit, they are not supposed to be reporting tax lies, once I again I will submit through the CFPB the tax lien document, that shows it is a tax lien reported by transunion, they are required to delete it, they don't care about being sued whatsoever, second account they are reporting negatively is a public record which is an eviction by XXXX, XXXX XXXX XXXX XXXX, it was closed by transunion, and deleted, transunion sent a letter stating they were going to delete it, but they re-inserted back in my credit without a five day notice which is another violation of the fcra, it is a liability on their part they need to delete that account immediately before they get sued, I should not have anything negative on my credit report, they need to follow the FCRA, and remove those items before I sue them for willful noncompliance. My credit score should not be in the low 600sit should be in the 700s, they need to fix my report now.

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 2021-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I disputed a charged and was given a provisional credit for a unauthorized transaction of {$370.00} back in XXXX of this year. I had filled a police report for my belongings being taken. I never heard from Citi Bank. Here it is, I sent {$180.00} to my back to pay my bills and Im the middle of the night I realized I was negative {$170.00}. Come to find out Citi Bank Reversed the credit due to No Response to a letter they sent via USPS. I never received the letter, so I called the claims dept to get more information and to get the provisional credit back on my account. 

I informed the gentleman I never received the letter and asked him why is it I did not receive a phone call nor am email if they have not heard from me. The gentleman stated they dont have a way to call nor email ( which I find that to be bizarre ) its XXXX there should be other avenues to reach a client if you arent able to reach them by mail. 

When informing the client they have taken my electric bill money from my account he stated there was NOTHING he can do. I informed him that this is not my fault that I did not receive a letter in the mail, its not my fault your company dont have a way to call nor email and I would like for this case / credit reversal to be reversed. He stated nothing he can do, even though my money is secured with the FDIC. 

I asked to speak to his manager he said no manager is available until 24/48 hours. This really upset me because Im facing a disconnect in Electric which will cause me to lose my job because I work from home and you are telling me no supervisor is available. I am angry and need someone to assist me with this issue this bank have really inconvenienced me ( Given the fact I been on the phone since XXXX with no resolution. 

Not only have this inconvenienced me but I have to work in the morning at XXXX with hardly no sleep and no piece of mind knowing that my money was taken because the decision this bank made due to not being able to hear from me by only reaching out to me by a letter ONLY! This is ludicrous and once this is over I will be closing this account. 

Lastly, this guy had the audacity to say well the merchant provided chat messages between them and you I said I said sir I dont care what they sent you, Im telling you someone is portraying to be me and that has nothing to do with the reason you stated they reversed the credit and closed the case including no one being available in management to assist me in this urgent moment. 

I need this to be investigated please and I need help with getting this issue resolved and overturned please.

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