vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-06 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:
XXXX account # XXXX {$12000.00} the creditor said they would not report any negative payment to the bureaus for 6 months because I called prior to advise them my income had changed significantly due to covid. I even asked the representative if there was anything I needed to sign and she said no that she would enter all information into the system. 


When Federal Law Prohibits Negative Credit Reporting The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. 

Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a 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 non-monetary relief
Consumer complaint received 2021-12-06 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:
XXXX account # XXXX {$12000.00} the creditor said they would not report any negative payment to the bureaus for 6 months because I called prior to advise them my income had changed significantly due to covid. I  even asked the representative if there was anything I needed to sign and she said no that she would enter all information into the system. 


When Federal Law Prohibits Negative Credit Reporting The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances.

Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: CA

Complaint narrative:
I filed a dispute and the investigation in regards to the incorrect information on my credit report. It took more than 30 days and I have not received any investigation results.

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 2021-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/2021 I opened a XXXX Bank Account ending in XXXX with Bank of America XXXX XXXX XXXX XXXX number is XXXX her email is XXXX We received XXXX bank statement that said Deposits for the month of XXXX were {$38000.00}. ( As seen in attached ). We then had a few transactions that were not processed correctly on our clients side ( XXXX XXXX XXXX XXXX ) and therefore caused Bank of America to " close '' our business account ending in XXXX. The " Account Closed Transaction '' amount is {$18000.00} ( as seen in attached ). We received a letter dated XX/XX/2021 that the account ending in XXXX is closed & " ... [ funds ] ... won't be returned to you. As permitted under our XXXX agreement, we've frozen the fund while we review the transactions and validate the source of funds. '' On XX/XX/2021 ( as seen attached ) we sent a Demand Letter from our XXXX XXXXo Bank of America XXXX Bank XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX & never received any response or correspondence. 

As of today XX/XX/2021 they, Bank of America, have not released the amount of {$18000.00} due to us & therefore has caused financial stress & hardship on me, my business, my clients & my employees. I am filing this complaint because they have closed the account ending in XXXX & have held my funds for an excessive 68+ consecutive days.

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 2021-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unique Management Services, Inc
State: NJ

Complaint narrative:
This company has violated my rights and has not responded to the demands imposed upon them from my cease and desist. They have contacted me without my written consent or the expressed permission from a court of XXXX XXXX. That's a violation. Also, they clearly stated that they were in the debt collection business by using logos on the letter they sent. They also stated such amount of debt is owed which is another violation. I have been taken advantage of this debt collector and they have been using unfair practices to collect an alleged debt. I am in complete distress

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: Self Financial Inc.
State: OH

Complaint narrative:
I had XXXX accounts with Self Lender that I paid off early. The first account I paid off within XXXX months of opening due to serious medical conditions. I wanted to avoid late payments. The second account I paid off in full on month XXXX as I had a funeral to pay for. In which both accounts are reporting a late payment the month after I paid it off ... for the past XXXX years. 

I have tried to call Self Lender... however without an open account you have to mail in any questions or concerns. I have mailed my request in and submitted disputes with all XXXX credit reporting agencies. I am now requesting assistance from CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: MI

Complaint narrative:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. I am absolutely upset that you guys would break the law like this. 

XXXX XXXX XXXX TransUnion XXXX XXXX inaccurate account 1 XXXX  XXXX XXXX TransUnion / XXXX inaccurate account 2 XXXX XXXX  XXXX TransUnion / XXXX Inaccurate account 3 XXXX XXXX  XXXX TransUnion / XXXX Inaccurate account 4 Us dept of Ed XXXX Inaccurate reporting on all 3 bureaus Account 1 Us dept of Ed XXXX Inaccurate reporting on all 3 bureaus Account 2 Us dept of Ed XXXX Inaccurate reporting on all 3 bureaus Account 3 Us dept of Ed XXXX Inaccurate reporting on all 3 bureaus Account 4

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 2021-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
transunion is reporting collection accounts that do not belong to me. 
XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX By law this is illegal and they must remove them immediately!

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 2021-12-06 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: EQUIFAX, INC.
State: MI

Complaint narrative:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 


XXXX XXXX XXXX XXXX XXXX XXXX inaccurate account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Equifax XXXX XXXX XXXX XXXX XXXX on all 3 Bureaus inaccurate XXXX XXXX XXXX XXXX reporting inaccurate on all 3 bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was referred to a brokerage by a friend that took XXXX deposits ( totaling {$15000.00} ) from me to setup my own XXXXt account in the XXXX XXXX XXXX. When I tried to withdrawal my money from the account after profiting a XXXX  XXXX dollars, the broker stopped answering all messages and my trading account disappeared. I have a lot more detail and screen shots etc. that can fit in this report including all of the scammer 's bank information. I have also attached details of my initial TCR Complaint and a followup FTC Complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: U.S. BANCORP
State: CO

Complaint narrative:
Hello, Around late XX/XX/2021 I requested a balance transfer from XXXX Credit Card ( Provided by XXXX XXXX ) to US Bank. Shortly after ( first week of XXXX ) I reached out to both XXXX ( Which said I need to contact US Bank ) and US Bank ( Which was told by their representative that the transaction will be canceled ). Fast forward to XX/XX/2021, I received a bill from US Bank regarding that balance ( original {$1100.00} plus {$33.00} fee ). I reached out multiple times to them and was told the money was sent to XXXX which is not even my bank and they refuse to fix the problem they created.

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 2021-12-06 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: MS

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and XXXX have gotten into the wrong hands.

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 2021-12-06 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: PA

Complaint narrative:
I recently looked at my credit report a noticed an account that was reporting inaccurate i sent multiple emails and letters to the credit bureaus and creditor stating the inaccuracies. and from my knowledge everything on your credit report is suppose to report accurate. If a payment is late more than XXXX day the reporting should be the month and late however many days for the correct reporting should say XXXX late XXXX, XXXX late XXXX days, XXXX late XXXX  days. The account on my report say on time every month and then XXXX late XXXX days. I also ask for proof of my payment history from the creditor and it says paid on all due dates.

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 2021-12-06 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: U.S. BANCORP
State: NY

Complaint narrative:
I submitted a dispute regarding my credit report to XXXX XXXX XXXX. They had reported a late payment to various credit bureaus. I notified them the late payment was because of an error on their side, I had no idea there was any charge pending on my credit card, and had not been notified of any charge. They conceded and refunded me all late fees. However, they did not take any action to notify the credit bureaus the late payment report was in error or have that item removed from my credit report. 

Shortly after I submitted the dispute, they just closed my credit card without any notification. It was very clearly retaliation because I had filed a dispute with them.

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 2021-12-06 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: NC

Complaint narrative:
I started a dispute with Experian on XX/XX/2021 for the dismissed bankruptcy and accounts included in my XXXX that is on my credit. I have not been receiving any type of notification that they are even investigating the disputes let alone sending me the responses of their investigations! Because of this lack of communication and notification, I sent another dispute on XX/XX/2021 and XX/XX/2021. Experian has stated once that they verified my XXXX but that's not possible since my XXXX XXXX report is frozen and doesn't allow to verify nor does it even show the bankruptcy because it's frozen!

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 2021-12-06 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: AZ

Complaint narrative:
I sent so many times complaint to you. Why you still keeping these negative accounts on my name. I think someone hacked my personal information. I already wrote to you that is not my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: PA

Complaint narrative:
This is XXXX XXXX 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 to 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 inquiry reporting on my Credit Report : XXXX XXXX XXXX-Date of XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Hello there and thank you for helping, I wanted to reach out because I am not receiving any statements or alerts. 

I have never been late, and have always made my payments on time. 

However recently my credit report shows that the Apple Card was reflecting XXXX days late, however as you guys can see I did not have access to any of my devices. 

I have the Apple work authorization forms showing that I had no access to any of my devices for me to be able to make a payment, and even if I attempted to make a payment online it requested a two factor authentication code that I could not receive. 

I reached out to customer service who was no help, I have made a payment and then please requesting to have the negative impact removed from my credit report. 

I never received any physical statements when my bill was delinquent, I understand Apple and Goldman Sachs is trying to go green however they should still mail a statement to be safe and to ensure their customer is indeed receiving communication that is not electronic.

Company response to consumer: Closed with explanation