vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-25 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: NJ

Complaint narrative:
In early XXXX, I was a victim of identity theft when one or more unknown individuals opened an account with XXXX ( XXXX ) using my identity without my knowledge or authorization. XXXX identified the account as fraudulent and promptly closed it. I then followed all the steps to report this as a fraudulent account ( including, filing a police report and providing XXXX with all of the requested identifying information ). On XX/XX/XXXX, I was finally notified by XXXX that my claim was resolved. Specifically, in its email to me, XXXX stated : " We've investigated your claim and determined that you are not responsible for any of the charges related to account number [ XXXX ] ... '' ( I am happy to furnish the email sent by XXXX. ) XXXX has also notified in that email that they will be notifying the credit agencies to remove the account. Notwithstanding that resolution by XXXX, the fraudulent XXXX account still appears 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 2020-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am in the process of fixing my credit but XXXX  has totally blocked me from checking my report or reporting any errors on their site. XXXX XXXX is also blocking my free annual report as well as Experian. I am unable to obtain my account numbers to properly dispute making it impossible to fix any errors on my report. I can not obtain my free annual report from all 3 of these sites.

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 2020-12-25 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:
Experian reports a bankruptcy filed in 2013. This information is false. I have never had a bankruptcy. This bankruptcy belongs to someone else with same name.

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 2020-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am in the process of fixing my credit but XXXX has totally blocked me from checking my report or reporting any errors on their site. Trans Union is also blocking my free annual report as well as XXXX. I am unable to obtain my account numbers to properly dispute making it impossible to fix any errors on my report. I can not obtain my free annual report from all 3 of these sites.

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 2020-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am in the process of fixing my credit but Equifax has totally blocked me from checking my report or reporting any errors on their site. XXXX XXXX is also blocking my free annual report as well as XXXX. I am unable to obtain my account numbers to properly dispute making it impossible to fix any errors on my report. I can not obtain my free annual report from all 3 of these sites.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: AL

Complaint narrative:
In XXXX of 2020, I filed a dispute with this credit bureau about the inaccurate reporting of addresses that are not associated with me. XXXX XXXX XXXXXXXX XXXX, FL, XXXXnever lived here XXXX XXXX XXXX XXXX, AL, XXXX -- never lived hereXXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX -- never lived here XXXX XXXX XXXX XXXX, AL XXXX -- never lived hereXXXX XXXX XXXX XXXX XXXXXXXX, AL, XXXX -- never lived here. In those over 30 days I have asked for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about inaccurate reporting as of today. Thank you

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 2020-12-25 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XX/XX/XXXX, I filed a dispute with this credit bureau about the inaccurate reporting of addresses that are not associated with me. XXXX XXXX  XXXX XXXX, FL, XXXXnever lived here XXXX XXXX XXXX XXXX, AL, XXXX -- never lived hereXXXX XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX -- never lived here XXXX XXXX XXXX XXXX, AL XXXX -- never lived hereXXXX XXXXXXXX XXXX XXXX  XXXX, AL, XXXX -- never lived here. In those over 30 days I have asked for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about inaccurate reporting as of today. Thank you

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 2020-12-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My account was compromised, i lost almost {$2000.00} because an identity thief opened an account with my info then transferred my money to the newly opened account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are alledge late payments on my account that I do not recognize. Pursuant FCRA 611 ( a ) [ 15 usc 1681 i ( a ) ] I am demanding that these items be removed. 

XXXX  - XXXX XXXX account number XXXX XXXX XXXX/ account number XXXX XXXX XXXX/ account number XXXX  XXXX XXXX XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: NY

Complaint narrative:
I already submitted a CFPB complaint to Transunion in which they responded to me through the CFPB and said they will reach back out to me in writing in 30 days. Its been over 30 days and I still have not received any response. This is against the law to have to go through this. Itll be 120 days since ive sent out my first letter to them with no response, which is the reason why I submitted a CFPB complaint in the first place. I will now seek legal action to help me get through this problem I am having.

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 2020-12-25 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX of 2020, I filed a dispute with this credit bureau about the inaccurate reporting of addresses that are not associated with me. XXXX XXXX XXXX XXXX, FL, XXXXnever lived here XXXX XXXX XXXX XXXX, AL, XXXX -- never lived hereXXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX -- never lived here XXXX XXXX XXXX XXXX, AL XXXX -- never lived hereXXXX XXXX XXXX XXXX XXXX, AL, XXXX -- never lived here. In those over 30 days I have asked for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about inaccurate reporting as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: CA

Complaint narrative:
My primary personal credit card 's balance ( a XXXX XXXX Visa ) is reported to the 3 credit bureaus based on the outstanding amount owed when the statement closes. This date is between the XXXX of each month and 95 % of the time is the XXXX of each month. 

However in the month of XX/XX/2020 a balance was apparently reported ( incorrectly ) mid statement, on the XXXX. XXXX XXXX XXXX executive office assured me that they did not report a balance on the XXXX. However all three credit bureaus showed that they did. 

I disputed this incorrect balance with all three bureaus and Experian reviewed and closed the matter as of today. While Experian is now correctly reporting my XX/XX/2020 statement balance, Experian did not correct the corresponding ( and erroneous ) deduction of points from my score based on the error. Were this a matter of a few points I wouldn't go to this trouble. 

However - Experian deducted 25 points from my credit score solely as a result of the erroneously displayed balance increase from under {$500.00} in XXXX to under {$1200.00} on XX/XX/XXXX. The correct balance for XXXX of under {$200.00} is now reflected by Experian and yet the issue of the massive damage to my credit score has not been resolved. 

I believe I am entitled to a fair resolution of this issue under the FCRA and am requesting CFRB intercede on my behalf. At this time I am only asking for the CFRB to take action as it pertains to Experian as the other two bureaus have yet to complete their response to my disputes.

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 2020-12-25 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: DISCOVER BANK
State: IA

Complaint narrative:
On XX/XX/20 my husband was scammed by phone. The caller impersonated a local law officer and convinced my husband a family member would be arrested if he did not immediately post bail in the amount of {$6500.00}. Under duress, my husband made three separate purchases of {$500.00} each of XXXX XXXX XXXX XXXX XXXX  with his Discover card which I own at the XXXX IA XXXX XXXX totaling {$1500.00} on XX/XX/20 at XXXX, XXXX, and XXXX. 

About 30 minutes later he purchased five more XXXX XXXX XXXX XXXX XXXX  of {$500.00} each of with his Discover card in a single transaction totaling {$2500.00} at the XXXX XXXX at XXXX. 

Still under duress and still not with substantial funds my husband proceeded to the XXXX IA XXXX and attempted to purchase XXXX XXXX XXXX XXXX XXXX  of {$500.00} and the purchase was declined. 

I received a text from Discover notifying me of the decline allowing me to freeze my credit card - which I promptly did. 

Discover has refused to reverse the charges. 

I told Discover that I have been a customer for over 20 years and that is not normal activity for my card. As such, I should have received a text after the 2nd {$500.00} purchase. If Discover had reacted properly, I would have suffered a scammed debt of {$1000.00} versus over {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: CA

Complaint narrative:
The company that I'm complaining about is called world finance on one credit report they are listed as world finance and on another they are listed as XXXX personal credit plan. they list multiple dates and show it multiple times on my credit report all with different dates. this debt is more than seven years old and should be removed from my credit report but they keep changing all the dates. I have disputed this numerous times with XXXX XXXX  and other credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: NY

Complaint narrative:
Account is showing late payments and charge off.

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 2020-12-25 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: NY

Complaint narrative:
Account is showing late payments and charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: NY

Complaint narrative:
Account is showing late payments and charge off.

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 2020-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
no follow up. 

Coinbase XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX and all of them auto cancelled due to 48 hr window trying to move funds from a vault to the wallet. 
My email approved the transactions 2nd approver ( wife ) approved as well multiple times yet still no service, answer to my emails, costing me $ $ . 

Need a live coinbase rep and or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: VA

Complaint narrative:
XX/XX/2020 Citi Bank Office of the President XXXX. XXXX XXXX XXXX XXXX, SD XXXX. Citi Reference Number : XXXX CC. Consumer Financial Protection Bureau - Case # XXXX Dear Citi, I am in receipt of your letter dated XX/XX/2020. 

Clearly you did not review the history of this account. Please see the attached past correspondence of the sequence of the events showing the system issues that resulted in a {$3.00} requested refund in lieu of the appropriate {$3000.00}. 

Therefore, I am requesting that you review the whole history from XX/XX/XXXX till today. This should clarify my case : In summary : XX/XX/XXXX Open the dispute of {$3.00} only because the system did not allow me to include the {$2900.00} due to a Citi technical web site issue ( so I was told by the dispute department staff ) XX/XX/XXXX Citi acknowledged the web technical issues and Citi tried to adjust the dispute to the correct amount of {$2900.00} but entered the wrong amount of {$1900.00}. 

XX/XX/XXXX Citi acknowledged the amount error and corrected the dispute amount to the correct amount of {$2900.00} Since XX/XX/XXXX, Citi has given me the round around every time I inquired : a. Past due date of the of the dispute b. I was already refunded by the merchant c. I did not submit the documents d. Etc. 

I truly believe that no one at your company took the time to review this and give it the time and effort to truly understand the case. 

Added proof that nobody is looking at my case is the fact that I have paid my CITI Credit Card balance some time ago and I have no balance due on my existing credit card. 

XXXX XXXX Enclosed : Email dated XX/XX/2020 Email dated XX/XX/2020 Email dated XX/XX/2020 Email dated XX/XX/2020 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 2020-12-25 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: CA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-25 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Merchant issues full refund but Chase Bank issues partial refund. This is both a recurring and ongoing problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: WA

Complaint narrative:
XXXX reported a late payment in XXXX to equifax. 
The acct has been closed for years, there is no way i have a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-25 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: CA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: TN

Complaint narrative:
Complaint Description : XXXX $ new account checking and savings bonus under " summer blitz promotion 2020 '' has not yet been received. On XX/XX/2020 ; a new BBVA checking account and savings account package were opened in response to a " summer blitz promotion 2020 '' offer, whereby a XXXX $ bonus would be issued within 90 days after receiving direct deposits worth XXXX into the checking account, and an additional XXXX $ would be received after depositing and maintaining XXXX in the savings account. Both of these requirements have been completed : BBVA has been and is still receiving direct deposits since XX/XX/2020 ( the XXXX requirement was completed on XX/XX/XXXX ) and have received much more than the XXXX required, and the XXXX deposit into the savings was completed on XX/XX/2020, and its now well over 90 days. As such, BBVA is supposed to pay out the XXXX $ bonus to us. We contacted BBVA 2 weeks ago and spoke with customer service, however we just kept getting transferred between representatives with no resolution.

Company response to consumer: Closed with monetary relief