vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-29 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: Experian Information Solutions Inc.
State: NC

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, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry 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 2021-12-29 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: KS

Complaint narrative:
There is a XXXX XXXX  account on all three of my credit report. On my XXXX it says I have a late payment on XX/XX/2018. On my XXXX  and Equifax credit report it says i have a late payment in XX/XX/2018. 
Each credit bureau is reporting different information that is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: KS

Complaint narrative:
There is a XXXX XXXXXXXX account on all three of my credit report. On my XXXX it says I have a late payment on XX/XX/2018. On my transunion and XXXX credit report it says i have a late payment in XX/XX/2018. 
Each credit bureau is reporting different information that is not valid.

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 2021-12-29 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: KS

Complaint narrative:
There is a XXXX XXXXXXXX account on all three of my credit report. On my Experian it says I have a late payment on XX/XX/2018. On my XXXX and XXXX credit report it says i have a late payment in XX/XX/2018. 
Each credit bureau is reporting different information that is not valid.

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 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
on XX/XX/2021 I checked my EQUIFAX credit file via XXXX due to a fraudulent account being opened in my name through information provided by their service. A hard inquiry shows on XX/XX/2021 from XXXX XXXX that was used to open and account I want removed. the Equifax link to file a dispute ai.equifax.com does not work, I attempted to go to my account at EQUIFAX.com it shows my account is locked, it provided the phone number XXXX to contact customer care M-F XXXX est. this number does not work and has alternating errors when dialed. 
there evidently is no way to contact EQUIFAX at this time. 
All my other credit files are safely frozen and have been for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry 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 2021-12-29 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: CITIBANK, N.A.
State: MA

Complaint narrative:
XX/XX/XXXX I received multiple items from XXXX XXXX that cost approximately {$5000.00} dollars. The XXXX XXXX XXXX team was present to assemble all items for a fee of {$340.00}. One of those items was a XXXX XXXX ( {$1900.00} before discounts ) that came with a back piece that did not fit properly. The delivery team was unable to fully assemble the sideboard with the back piece that came with the order and they also left bolts and screws in a bag inside the sideboard for when the new piece arrives, as those will be needed for the next delivery team to put together. The delivery man took photos and I took photos. I called XXXX and sent them my photos. They told the credit card company that I waited a week to notify them. That is untrue. I have many many emails that I submitted to the credit card company in a timeline that was easy to follow if one took the time to read them. I also have many photos. Because I never received the back piece, the top of the sideboard warped ( pictures were submitted ). The sideboard is sitting at my house still to this day. It's never been used and is totally unusable without a back piece and screws and bolts still sitting in a bag inside. When days went by without communication or answers from XXXX I disputed this with the credit card used. 

In that same order and on that same day there was supposed to be 4 XXXX chairs ( 2 sets of 2 chairs ( {$1000.00} before discounts ) and again the {$340.00} XXXX XXXX XXXX XXXX to assemble these chairs. The delivery team said the 4 XXXX chairs were not on the truck. I called XXXX that day and told them this as well. They said they would put a trace on them. I have never received these chairs. XXXX told me that they were aware that I never received these chairs, and still has not refunded me for the missing chairs. The chairs and the XXXX XXXX XXXX XXXX  was added to the above credit card dispute. 

To summarize, I have received damaged merchandise from XXXX and charged for merchandise and services that I never received. I have been notified by my credit card company ( Costco Citi Visa ) that the dispute has been resolved in XXXX 's favor. That was XX/XX/XXXX. My husband contacted Citi Visa on XX/XX/XXXX and they have not re-opened the case. Our Costco Citi Visa credit card has charged us {$3400.00} which is payable in XX/XX/XXXX. My husband gave me this website upon his research and our credit card company has not notified us about our appeal options. 

Thank you and your agency for your anticipated effort in resolving this matter. 

Respectfully submitted, XXXX and 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 monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
I contacted paramount recovery systems, a debt collection company on XX/XX/XXXX. I informed them that the information they were reporting on my credit report was incorrect and to place my account in dispute status immediately. I have since obtained a letter from the original creditor that reflect the account has a XXXX balance. My insurance company had paid on the accounts in XXXX. Therefore, the collection accounts have been placed on my credit report in error and should be removed immediately. It has caused me harm because I have tried to obtain credit and was denied due to these accounts showing on my credit report. It has been over 45 days since I initiated the dispute and the negative account is currently reflecting on my credit profile as an unpaid debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: TX

Complaint narrative:
No clue who tis company is. According to my credit report their phn number is XXXX and they are located at XXXX XXXX XXXX XXXX XXXX XXXX va XXXX I have NEVER received a letter or a phone call and I have been at he same address for YEARS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29 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: IL

Complaint narrative:
Hello, ive recently disputed multiple inaccurate items by mail around XX/XX/2021 it has been well over 30 days and has yet to receive any type of notifications .You have fail to comment and failed to reply back with investigation results.Both being under violation which means you must delete all accounts from my report. 

XXXX XXXX XXXX  XXXX late payment Please remove from my report XXXX  XXXX XX/XX/XXXX late payment Please remove from report XXXX Please remove from my report XXXX XXXXXXXX XXXX please remove from my report XXXX XXXX  Please remove from my report XXXX of XXXX Please remove from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: IL

Complaint narrative:
Hello, ive recently disputed multiple inaccurate items by mail around XX/XX/2021 it has been well over 30 days and has yet to receive any type of notifications .You have fail to comment and failed to reply back with investigation results.Both being under violation which means you must delete all accounts from my report. 

XXXX XXXXXXXX XXXX XXXX late payment Please remove from my report XXXX XXXXXXXX XX/XX/XXXX late payment Please remove from report XXXX Please remove from my report XXXX XXXX XXXXXXXX please remove from my report XXXX XXXX Please remove from my report XXXX XXXX  XXXX Please remove from my 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 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I was not given the opportunity to opt out of my personal information being shared with the credit bureaus. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) states that data furnishers reflects the terms and liability for the account or other relationship : reflects the consumers performance and other conduct with respect to the account or other relationship : and identifies the appropriate consumer. 

Based on the findings in my consumer report NAVY FEDRAL has been reporting inaccurately since XX/XX/2021. NAVY FEDRAL is reporting different payment dates and account opening dates to each credit bureau.

( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Im being charged for a credit card I never had!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
Received credit card bill in the amount of {$190.00}. 

I never applied for credit from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
The company is being non-responsive to my request to close my account. They do not provide a fax number or email address to send a requested signed letter to close my account. When you call customer service, they make you wait 20 minutes for an agent and then pretend they can't hear you and hang up. I have sent numerous secure messages requesting account closure, and they do not respond in the promised 48 hours. I do not want to receive fees for now having a {$0.00} balance and trying to close my account.

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 2021-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Hello, I firstly meet the girl on a dating app and we had agree to talk on XXXX, then she being so careful for me and we started to talk about personal life where I started to trust her. After a while she invited me to join XXXX XXXX in coinbase wallet, supposedly to make a generous return. I agree. Now after I had deposited over XXXX I start to questions my self and was about to wither the money but I couldn't. I asked her how to get my money back but I was told to put more liquidity in the pool so I can withdraw my money. Now I'm very desperate called Coinable Suport but they just redirected me to Dating app Suport. Can you please help me? I can provide more info and screen shots with conversation. Please, please help refund my money its all I had

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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:
Back in XXXX, I totaled my car. XXXX XXXX XXXX has done their part terminating the lease, paying the balance, and getting a Letter of Guarantee. 

Despite this, after 2 months and about 8 calls to their customer service, Kia Motors Finance has still not closed my account with them or mailed out a check for the outstanding balance of {$1800.00}. I am also still receiving bills. 

When I speak to customer service, they tell me that they're not sure why the account has not been closed. They have told me that there is normally an audit process that takes up to 30 days, but it has been 30 days as of XX/XX/XXXX. When I ask to speak to an auditor or somebody who can identify the issue, I am told they are " back office '' and can not be contacted. They then offer to email them which I have done and received no response or to send a letter via snail mail.

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 2021-12-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I have contacted this company multiple times. I have ask for all documentation pertaining to this particular vehicle. Which they have never produced. They are furnishing false an inaccurate information onto my consumer report.. This situation has calls me extreme stress. Loss of sleep. And made other creditors not want to do business with me because of this inaccurate account being on my consumer 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 2021-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
******************URGENT***************** Hello, I joined Gemini last month. I use the account to purchase crypto currency. The account has had small but steady growth. I recently moved Ethereum from my Gemini account to a XXXX XXXX XXXX. I only mention this because that's the only recent changed. I also always log into my account from my phone or home computer. Both VPN protected. 

Out of the blue yesterday, I went to log into my Gemini account and discovered IT IS FROZEN. For no reason, with no explanation. I have since followed the steps twice to have my account unfrozen. All to no avail. No response from customer service. No urgency to correct the situation despite me not having done anything wrong... Other than possibly using Gemini as my custodian. I never have this problem with XXXX. 

Please help. This is time sensitive. I'm interested in using my funds to mint XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: MD

Complaint narrative:
I had a Citi Prestige Card since XXXX. On XX/XX/XXXX, the annual fee {$490.00} was posted and I paid the annual fee. However, Citi Bank closed my account on XX/XX/XXXX, after 45 days when the annual fee was posted. I contacted Citi Bank and opened a case for the annual fee refund, but they declined my request for a refund for the membership fee on this account, which makes no sense and unfair to me 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 2021-12-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I received a communication from National Credit Adjusters for a debt I incurred with XXXX XXXX XXXX that was dated for XX/XX/2021. This communication indicated settlement options available to me for this debt. I contacted them on XX/XX/2021 and spoke with XXXX XXXX ( XXXX ) and agreed to a settlement amount of {$1100.00} and scheduled payment on XX/XX/2021. I received confirmation # XXXX for the transaction. As we were wrapping up the call he mentioned that he had another debt for me with another company and asked if I would like to set up arrangements for that debt. I indicated that I had not received any communication on that particular debt but I would call back. At that time he provided his extension and work hours. 

about a month later I noticed that the credit reporting associated with XXXX XXXX XXXX had not updated and submitted a dispute with the credit bureaus. I included the info regarding my payment that was made. My dispute came back that the debt collector provided info that the debt had not been paid. Eventually I realized what they did- they took the payment I made that was intended for XXXX XXXX XXXX and applied to the other debt. The other debt has never showed up on my credit nor have they ever sent any communication for that other debt. They have only communicated regarding XXXX XXXX XXXX. 

I am disturbed that they have employed such a tactic by misleading me as to how my payment would be applied. They never disclosed that the payment I agreed to on XX/XX/2021 would be misapplied to another debt. I am including a copy of the communication which includes my notes that I wrote on the day the I agreed to paying XXXX 

just to be clear my dispute is with National Credit Adjusters - mailing and contact info is XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ; XXXX, KS XXXX Toll free - XXXX ; Fax XXXX NCA Account XXXX - XXXX

Company response to consumer: Closed with explanation