vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-02 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: AL

Complaint narrative:
I have disputed this account with the CFPB already and you guys did nothing to ensure me that this information would get fixed. I have reported this account countless times with the credit bureaus and the still continue to report inaccurate information. The last payment made on this account was XX/XX/XXXX, then the first missed payment was XX/XX/XXXX. All of the proof is I. The files. Yet Equifax is report all of the information on this account wrong. As you can also see in the files, they are stating the last payment was made on XX/XX/XXXX which is wrong, then they are stating the account went delinquent XX/XX/XXXX which again is wrong. Yet whenever I dispute they are saying this is accurate, but according to the company they are reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: NY

Complaint narrative:
XXXX takes long to update my credit report update each month and as well i have inquires that was not authorize on all 3 bureaus

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 2021-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Company name : Portfolio Recovery Associate Date : XX/XX/2019 Amount : {$800.00} Action taken : After checking my credit report, I realize the name on the account is not mine, I sent a copy of my XXXX XXXX XXXX and a copy of my XXXX XXXX to the company asking it to remove the data on my report, but the company insist that the date is justified and maintain the file that continue to hurt me financially ... I have equity in my house, but I can't take advantage of that ... I am asking for help. 

In addition, Portfolio Recovery Associate failed to provide the date the account were opened, and who opened it..I believe it is against the Law to post false infoemation on people credit for personal gain..I am asking for help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Afterpay US Services, LLC
State: OH

Complaint narrative:
They haven't responded to my request to change my email cause the first one was lost with my personal information and now there is third party access ..After Pay..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02 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: PA

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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I went to use my Coinbase debit card last night around XXXX XXXX and the card was declined. I knew that I had sufficient funds available on the card so I checked the app and was greeted with the message " Your Card is temporarily suspended after detecting some suspicious activity. '' I attempted to contact Coinbase XXXX  @ XXXX but the automated system never allows me to speak to an agent. Once I type in my information it disconnects me. I've sent messages on XXXX as well as emails trying to get this resolved. There has been no suspicious activity on my card and I really need access to it again but haven't received any type of response from the company, which is unacceptable. The card is issued by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: GA

Complaint narrative:
i never consented to authorize nor benefited from all Inquires, Block and delete them. If i have received goods and services from the furnished Inquires, Let Experian have XXXX of their XXXX XXXX certify under the penalty of perjury that i did received good and service from those transactions.

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 2021-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My PEP BOY Credit card without me being notified. I had a 30 late that was an error on my credit report.MY Identity was stolen was and a random account was on my credit report. I am filing small claims case in CALIFORNIA. Legal documents are being sent certified Mail.My rights were violated I ask XXXX accommodation department to explain what going on. I am also filing a Doj complaint for XXXX discrimination. 
The managers on the phone were very unprofessional transferring me around.

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 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I made a credit card purchase for {$33.00} that I charged it to my Sears Mastercard managed by Citi. The due date to pay the credit card was XX/XX/XXXX. Unfortunately I misplaced the bill, found it, then paid it on XX/XX/XXXX. I called the 800 number on the back of the credit card on XX/XX/XXXX. I spoke to a lady, explained that I had misplaced the bill, had never been late before, then requested that Citi waive the {$30.00} late fee. There was short delay while the representative checked my prior payment history. When she began speaking to me again, she said that the records indicated what I said is true and as a courtesy she is removing the {$30.00} charge. She added that it was good of me to call to explain why I was late. In the beginning of XXXX, I received a subsequent bill from Citi Sears Mastercard that not only did not reflect the promised {$30.00} credit, but an additional {$42.00} late fee was added. On the XXXX of XXXX I called again, spending almost an hour with another lady explaining what occurred before a supervisor joined in on the call. The supervisor told me that she would remove the additional {$42.00} fee but I would have to pay the initial {$30.00} late fee. At this point, frustrated, I told both of them that I expected to get what is promised and to cancel the credit card. Since then, I have received another statement so I now have been billed {$110.00} in late fees for a {$33.00} purchase that I paid approximately two weeks late. Additionally, Citi sent me a demand letter for payment stating that my failure to pay may result in them sending a negative report to credit bureaus and I received computer generated telephone calls almost daily requesting payment for the fees. Included with this complaint is a recent letter to Citi along with supporting documents. As a follow up, I received a telephone call yesterday from a different representative who told me that Citi Bank company policy only allows them to waive one late fee, therefore she is unable to do anything more at this time.

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 2021-12-02 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: CBC Companies, Inc.
State: MO

Complaint narrative:
Factual Data has now run a hard inquiry on my credit 2 times in the month of XXXX without my consent. 

Filed a complaint with the CFPB after they didn't fix it the first time and they got the inquiry removed. 
When I saw the second one come through on XX/XX/2021, I requested they remove it, which they agreed to do, but its now XX/XX/XXXX and the inquiry has not been removed. 

The company needs to stop running my credit, without a reason to, and request my consent if they do need to run it. 

I was shopping for a home loan this month, and was very frustrated to see the inquiry had dinged my credit score. I have been guarding my score very closely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: PA

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: FL

Complaint narrative:
On statement was an unauthorized fraudulent charge on XX/XX/2021 for {$350.00} by vendor listed as XXXX XXXX XXXX XXXX. When I phoned I was told it was a mistake and they would refund it which they didn't. Phone call to CitiCards was immediately made. Fraudulent charge credited on XX/XX/XXXX. Then reposted on XX/XX/XXXX. Action already taken by me has been phone calls by me to Customer Service CitiCards since XXXX, when I received the statement, hard copies of complaint mailed to CitiCards, emails of complaint sent to CitiCards. I was told by Citicards in my phone calls ( XXXX, XXXX, XXXX, XXXX ) that I waited too long to complain and I was denied access to a supervisor. I was also told on the phone calls that the fraud had been removed ( false ) and that a legitimate charge from XXXX XXXX was being investigated though I didn't request it. Also email complaints were sent to XXXX XXXX and their parent companies XXXX XXXX and XXXX XXXX. All were ignored.

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 2021-12-02 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: TX

Complaint narrative:
I noticed a few accounts on my report I do not recognize

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 2021-12-02 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: GA

Complaint narrative:
i never consented to authorize nor benefited from all Inquires, Block and delete them. If i have received goods and services from the furnished Inquires, Let Equifax have one of their XXXX  XXXX certify under the penalty of perjury that i did received good and service from those transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
i never consented to authorize nor benefited from all Inquires, Block and delete them. If i have received goods and services from the furnished Inquires, Let Chexsystem have one of their senior executive certify under the penalty of perjury that i did received good and service from those transactions.

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 2021-12-02 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: PNC Bank N.A.
State: NJ

Complaint narrative:
I had an auto loan with PNC Bank. I closed the loan in XXXX of 2021. 

As of XX/XX/2021, they updated my credit reports with late payments. 

I do not know why this account would be updating my report after they are closed. 

This hurt my report and I am looking to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-02 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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: TN

Complaint narrative:
I disputed accounts with Experian that had unauthorized charges due to previous identity theft. These charges were not discovered for some time, and because of this I was unable to file a police report. However, I did submit the claim to the federal trade commission upon discovery. As a consequence, I disputed accounts associated with this identity theft and Experian refused to remove the information. I attempted to submit a new dispute with a personal statement, FTC documents and other supporting information via the Experian website and received errors for 3 days straight. I finally printed and faxed the information to Experian and the subsequent dispute was still not a success as Experian refuses to remove this damaging information. As per Section XXXX, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. The associated account are as followed : XXXX XXXX : XXXX XXXX  : XXXX XXXX Card : XXXX XXXX XXXX XXXX XXXX In addition, Experian continues to report balances on these closed accounts.

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 2021-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I noticed that a debt i never had is reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: PA

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. I sent letters to TransUnion XXXX XXXX the date of the last letter was on XXXX 2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02 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: IL

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX. transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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