vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-22 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: TX

Complaint narrative:
Ive disputed Bankruptcy with XXXX XXXX Equifax and XXXX that doesnt belong to me. Yet they say its verified and to be mine, Ive spoke to the Bankruptcy court and they dont even give this type of information with credit bureaus so how is this being verified. Please remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: U.S. BANCORP
State: IL

Complaint narrative:
Hello, recently my credit was decreased because it was reported from US Bank that my mortgage had increased up by about {$2000.00}. Even though I have taken part in a forbearance plan, they have reported that my mortgage has increased in {$980.00} increments. When I called my credit unions, XXXX, XXXX, and XXXX, they all said they are receiving reports from US Bank as {$100000.00}. When I receive my monthly statements and check my balance online it indicated that the remaining balance is {$100000.00}. After I disputed the balance through XXXX and XXXX, the dispute decision was decided as accurate information reported which is incorrect. When I called US Bank they also confirmed my balance of {$100000.00} and indicated they are reporting that number to the credit agencys. 

So my disputes have been declined, the credit agencys are saying they are receiving {$100000.00} from US Bank, and US Bank is declaring they are reporting {$100000.00}. They had caused a 14 point drop in my credit.

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 2021-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
My daughter was in a car accident in XXXX. She was hospitalized in XXXX at their hospital. She was covered by insurance and car insurance. The hospital accepted assignment of the insurance. I started getting bills from " XXXX XXXX. '' The doctor listed on the account was not one of the doctors listed in her hospital file. I was able to obtain, back then, the request from this " provider. '' The hospital went over this document and told me that this doctor listed is not a provider in their hospital. They also provided the hospital bill that showed the procedures done on her. The ones shown were not what was billed. They are trying to collect fraudulent charges based on an accident that happened almost 6 years ago. Besides that, my daughter was XXXX and a legal adult. This does not belong on my credit and needs to be removed immediately. I demand a cease and desist for the continued pursuit to collect on this. I have provided the only documents that I still have after 6 years. The original company declined to pursue it after I provided the paperwork proving that the charges were fraudulent and were not related to my daughter 's care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This account / information is over 7 years old and wont go away. 

Source : Experian Date Submitted : XX/XX/2021 Estimated Resolution Date : XX/XX/2021 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX Address : Correspondence Team XXXX XXXX XXXX, XXXX, TX 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 2021-05-22 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: IL

Complaint narrative:
This item identify item disputed by name of source XXXX XXXX XXXX XXXX, To which Transunion is reporting ( inaccurate ) on my report because it is being describe was paid in a bankruptcy to which it was not. XXXX XXXX was paid by myself. I had and XXXX XXXX XXXX XXXX requested that the item be deleted from my file upon ten time and Transunion has not complied with the request.

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 2021-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have an account with capital one thats charged off and I settled for less amount I paid this account off in XXXX of XXXX with an agreement that capital one inc. would not disclose any further info to any of the ( 3 ) credit bureaus at all after I paid the full settlement. They had never reported any negative activity since then until XX/XX/XXXX then they all of a sudden reported to XXXX only as of now but sure will end up at XXXX and XXXX  that my payment percentage went from 27 % to 21 % from week of XX/XX/XXXX to XX/XX/XXXX. For almost a full year they reported absolutely nothing! ( As they should on closed account ). And then week of XXXX all of a sudden they take it upon themselves to tarnish my credit ( XXXX ) to be exact. By providing false information to XXXX on an account they agreed to not disclose any new information on after I paid in full my settlement amount on. 
This matter is not to be taken lightly as they are ruining my credit and fraudulently false reporting that I am infact making late payments on an account that I paid off XX/XX/XXXX. This would be equivalent to you paying off your automobile 100 % then your credit union reporting a year later you make two late payments on a paid off car and tarnished your credit XXXX points ( through XXXX alone so far ). 

I have a fully XXXX XXXX XXXX XXXX daughter that was born with a XXXX XXXX Im trying to buy a house for her and I and this happened the same week I applied for a mortgage so any help u can give is greatly appreciated. Thank you and XXXX Bless!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my personal credit report, and I noticed the unauthorized inquiries have been made. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX I contacted and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: GA

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX XXXX and the Creditors ( Bankruptcy Chapter XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: TX

Complaint narrative:
hello I am filing a complaint based on transunions inaccurate reporting. I have brought this issue to their attention on a couple of occasions on their non compliance. 

XX/XX/2021 I disputed a collections account XXXX XXXX based on wrong information they are reporting. Wrong Account Type. 

XX/XX/2021 my results were transunion updated the information based on my dispute. this is false they did not update what I had pointed out in my dispute. 

XX/XX/2021 I disputed the same reason and explained why this account is reporting wrong. This account was paid in full in XXXX if this account was paid then this account should not be reporting to be open, this account should be considered closed. I have fulfilled the obligation to pay this debt. if I am correct this may be a violation against the fdcpa and or the fcra. 

XX/XX/2021 I received results once again stating the same information they updated based on my dispute. They did not fix this issue. My updated report they have provided to me still says open account. 

This error is affecting my credit worthiness and defaming my character as not being responsible to pay a debt. this debt has been paid and all these months that have past of them not fixing this simple error and not complying to my request is not fair to me as a consumer. they are in serious violation with the fcra by continuing to report inaccurate information. I have brought it to their attention on multiple occasions and now I am sorry to have to bring it to yours. please help me fix this matter against this credit reporting agency transunion.

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 2021-05-22 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: AZ

Complaint narrative:
XXXX XXXX XXXX  : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXX  XXXX TransUnion and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX is listed TWICE on my credit report, for 2 different amounts. FCRA Violation. 

3. Both accounts are being RE-AGED FCRA Violation. 
3 different dates on each credit bureau. Date of Last Activity is being RE-AGED every month. 

4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit dispite my several attempts to contact XXXX XXXX XXXX and XXXX XXXX, and TransUnion correct and remove this inaccurate info from my credit report. 


5.

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 2021-05-22 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Hyundai Finance is reporting an unknown payment for XX/XX/2021. I have a statement showing that I made payment in XX/XX/2021. They also reported that I have a payment increase in XX/XX/2021 for {$340.00} even though I paid the lease in full in XXXX and settled the account. Not in XX/XX/2021 as indicated.

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 2021-05-22 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: FL

Complaint narrative:
I checked my personal credit report, and I noticed the unauthorized inquiries have been made. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX I contacted and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized

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 2021-05-22 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: FL

Complaint narrative:
I checked my personal credit report, and I noticed the unauthorized inquiries have been made. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX I contacted and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized

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 2021-05-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I completed a FTC identity complaint on XX/XX/2020. I submitted the report to EQUIFAX and submitted a cfpb complaint and there are still inquiries that remain that we listed on the report. EQUIFAX has failed to live up to their grave responsibility for accurate reporting. These inquiries are preventing me from renting an apartment for me and my son. My landlord is selling the unit and I need a new place to live. I have also applied for credit and been declined because of the inquiries. EQUIFAX failure to ensure of accurate reporting is causing financial and XXXX harm. I am XXXX out and have been diagnosed with XXXX because I can not provide for my family because EQUIFAX failure at their grave responsibility pursuant to 15 USC 1681a ( 4 ). EQUIFAX are supposed to have procedures in place and have failed. Pursuant to 15 USC 1681C-2, EQUIFAX has the ability to block attempts to remove identity theft information is the consumer benefited. If EQUIFAX is saying that I benefited then please provide a sign affidavit under penalty of perjury for the CEO stating that they have proof that I benefited from the inquiries. Also, pursuant to 15 usc 1681b ( c ) ( 3 ) Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I have submitted proper paperwork stating that I don't recognize the listed inquiries and EQUIFAX Is violation of 15 usc 1681b ( c ) ( 3 ). I am not a credit report company, I am the consumer XXXX XXXX. I am an XXXX  of CFPB and these corporations are continually breaking the law and financially, XXXX an XXXXy harm the consumer. The CFPB is in place to regulate these consumer reporting agency and I have put in complaints and still no full results. This is not a dispute. I am demanding these inquires are removed. These corporation are unlawfully furnishing data to the consumer 's report and creating great harm to the consumer. By being an agent of the CFPB, I need the CFPB to do their job and regulate and enforce the laws that EQUIFAX is breaking against me. It is important that the people at CFPB take this seriously and assist me the consumer with invoking my rights. This is a matter of XXXX and XXXX for me. I am being XXXX XXXX, and financially harmed by EQUIFAX. I the consumer invokes my rights the law does not state a police report is needed because there are different types of identity theft. WHen a debt collector purchases a debt, they did not have permission to do so and that is identity theft. Identity theft mean no consent. This not a dispute, this is not a bot, or a credit repair company. I am an XXXX  of the cfpb and I need the CFPB to assist me to invoke my rights. EQUIFAX HAS FAILED ME AS A CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I was searching for an item on social media and I had came across the item I was looking for. I had conversations with the seller prior to sending him the money. He did all he could to make me believe him and he succeeded in doing that much. He sent me pictures of the product I wanted inside a box that wasnt closed yet and told me its ready to ship, all I needed to do was send the money so he can go send it through XXXX. On XX/XX/XXXX, I had sent him {$470.00} for the product and he asked for it to be sent through cashapp. He then waited a couple days and then deleted his social media and I never received what I was promised. The cashapp account, however, was connected to my bank account, so the funds were taken straight out of my bank account. Knowing this, a few days later I filed a dispute in hope of getting a chargeback but to no avail. They informed me that they werent successful in getting my money back. I asked cashapp prior to contacting my bank and they said all I could do is ask the guy for a refund. He declined my refund. I grabbed screenshots of our conversations to maybe prove to anyone that I was indeed scammed. The pictures have him promising to send me my product and him sending me some information of his aswell. The cashapp account that it was sent to is $ XXXX. He also gave me his phone number. XXXX ( XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I deposited 1 bitcoin to my coinbase pro exchange account in order to sell a bit and take profit. Upon doing so, I then proceed to withdraw the remaining bitcoin balance I had left back to my personal hardware wallet, the exact amount was XXXX bitcoin, or around {$19000.00} at the time of this writing. The transaction never made it thru, and has in fact been stuck in " Pending '' status for over 3 days now. Withdraws usually take only minutes to be completed and broadcast to the blockchain. I put in this withdraw request on XX/XX/2021 at XXXX CST. 

After waiting hours and it still being in pending status, I reached out to customer support to see what the hold up was. It has been 3 days, and I have been absolutely unable to get any sort of resolution or for that matter make ANY level of progress whatsoever with support. I continue to get generic pre-written canned responses to my email and ticket support requests. I have also attempted reaching out to support via all social media outlets as well, XXXX, XXXX, XXXX, etc, all to no avail. There is no phone number where I can reach a live person to deal with, and this is a decent amount of money we are talking about here. I have screenshots and ticket correspondence with all of their generic canned responses as well if that is needed. I have put in multiple support requests for what should be a very simple to fix issue, but I now feel that I am being totally ignored and given the runaround. All that needs to be done on their end is process the transaction or cancel it so that I may submit it again to regain access to my own funds, however I have been 100 % absolutely unable to reach anyone to help me get this sorted. Its almost as if every single response is just coming from an automated bot that sends me FAQ links and pre-canned responses. 

Multiple tickets put in with no resolution on any of them : XXXX, XXXX, XXXX, XXXX. 

I can provide any and all required info to pursue this and obtain resolution. I only want my funds released so that I may regain control over them again!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I have had a care credit with synchrony bank for over a year and I may have had a late payment here or there but 6 months in they reduced my card without warning. I have been in awesome standing with them for the past 5 months and after I laid them off about 2 weeks ago they closed my account without warning. I went to use my card and discovered it was closed. When I called they read me off a letter I never received. I have several cards with synchrony bank and some have even raised my credit limit. After I paid them off they closed my account I believe it is the care credit company and not the actual bank. They wanted me to reapply to put a ding on my credit file.

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