vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-30 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: TX

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting me as an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from 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 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: First Technology Federal Credit Union
State: WA

Complaint narrative:
On XX/XX/XXXX, I opened an account with First Tech Federal Credit Union. At that time, I signed up using a friends valid referral link and enrolled in a {$100.00} new account promotion. The promotion required depositing {$250.00} within 30 days and maintaining that balance for 30 days. My {$250.00} opening deposit posted on XX/XX/XXXX and I held this balance for 60+ days. I did not receive the bonus from the bank and after following up with First Tech, I was informed that my referrer was ineligible to refer me. However, after reviewing the terms, there is no clause stating that I would not receive the bonus if the referer was ineligible ( just that the referring party would be ineligible for their bonus ). I have successfully completed the terms of the bonus and am requesting that the credit union honor their promotion, Terms for Referred members ( from First Tech ) ( 1 ) To qualify for the {$100.00} reward, must establish membership and open a checking account. Account opening subject to approval. 
( 2 ) Within 30 days of checking account opening, must deposit at least {$250.00} in new funds into their First Tech checking account and maintain an average daily balance of at least {$250.00} for 30 days from initial deposit. New funds must be deposited from a source outside First Tech. Transfers between First Tech accounts will not qualify.

( 3 ) Limited to one {$100.00} reward and not available in combination with other new member offers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: GA

Complaint narrative:
The collection company XXXX, XXXX and XXXX has been on my credit report since 2018 and listed as included in bankruptcy. I disputed the account with Experian and they updated the account to a collection past due account. I never received a bill from the company nor has anyone tried to contact me about it from 2018 to now. I called the number and XXXX answered the phone. She had me verify my information, but they had me listed as a resident of Florida which I have never been. I asked how is this account a collection, when it's always said XXXX? She said it never said that and we debated a little. I asked her to mail me a debt validation letter and she hung up. Attached you will find proof that they have been reporting this debt as XXXX and just recently changed it once I disputed it. Either way, I do not recognize this account, I do not appreciate never being notified, nor do I appreciate XXXX 's rude behavior. Completely unprofessional. 

I disputed this account with Experian and they reached out to the company and only updated the account based on what the company said. How did Experian verify this debt? It doesn't make sense especially since the company had me listed as living in Florida.

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 2020-12-30 00:00:00
Product: Vehicle loan or lease — Loan
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: U.S. BANCORP
State: CA

Complaint narrative:
I paid off my auto loan with US Bank on XX/XX/2017. US Bank never released the lien with the CA DMV. 

In XXXX when trying to transfer the title while trying to sell the car I discovered that US Bank was still on the title as a lien holder. I am selling the car because I'm moving out of state and can not transport the car myself. On XX/XX/XXXX I requested a lien release letter from US Bank so that I could take care of this with the DMV and assumed that they would electronically communicate with the DMV to release the lien. Upon requesting the letter US Bank informed me that the lien release process would take 3 business days plus delivery time. I then called after 3 business days to make sure the letter had been sent. It had not, at which time they told me it was delayed and expected it would take 7 business days. At 7 business days I called back to check again at which point I was told it was now taking 15 business days. I called back several times after this to see if it could be expedited, but to no avail. On XX/XX/XXXX I scheduled an appointment with a US Bank branch representative XXXX in XXXX CA, who called the office in charge of lien release who relayed the message that the lien release had been sitting around but that they would get to it within 10 business days. 

Because of the almost 4 year delay from US Bank I now have to pay for car transport from California to Texas because I'm unable sell the car which has a lien on the title even though it is paid off in full. I also have the letter from US Bank stating that it is paid off in full.

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 2020-12-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I spoke to bank of America about settling an account that is on my credit report ( Account # XXXX ) to my surprise I was told that they do not own the account or have anything to do with said account any more they sold the account to Client Services but they are still reporting a Balance XXXX and payment history every month. I am requesting this information be corrected or the trade line deleted. 

I sent in dispute letters to all three credit reporting agency 's via certified mail on XX/XX/2020. I am yet to hear a response

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 2020-12-30 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: VA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: Block, Inc.
State: GA

Complaint narrative:
I contacted cash app to see why my saving was closed. They told me to read the terms. I did just that and still unsure why my account was closed. I reached back out to them because it wasn't anything fraudulent going on with my account no nothing. All they told me was it's nothing else they can tell me. I mean it's my account, it was closed for no apparent reason and they wasn't trying to give me an explanation as to why. Then I'm asking them can I just get my funds it's basically like they're telling me no.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have filed multiple CFPB complaints over the past few years to have the fraud protection removed from my credit reports at XXXX XXXX, and TransUnion. Creditors are still having problems gaining my credit information at my request because these credit bureaus will not remove the fraud protection at my repeated requests and CFPB complaints. These credit bureaus are holding my credit hostage with their non-compliance.

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 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have filed multiple CFPB complaints over the past few years to have the fraud protection removed from my credit reports at XXXX, Equifax, and XXXX. Creditors are still having problems gaining my credit information at my request because these credit bureaus will not remove the fraud protection at my repeated requests and CFPB complaints. These credit bureaus are holding my credit hostage with their non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have filed multiple CFPB complaints over the past few years to have the fraud protection removed from my credit reports at Experian, XXXX, and XXXX Creditors are still having problems gaining my credit information at my request because these credit bureaus will not remove the fraud protection at my repeated requests and CFPB complaints. These credit bureaus are holding my credit hostage with their non-compliance.

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 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXXXXXX XXXX XXXX add a hard inquiry on my credit reports.

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 2020-12-30 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: VA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX XXXX add a hard inquiry on my credit reports.

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 2020-12-30 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: MS

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: WA

Complaint narrative:
I spoke to XXXX XXXX  XXXX about settling an account that is on my credit report ( Account # XXXX ) to my surprise I was told that they do not own the account or have anything to do with said account any more they sold the account to Client Services but they are still reporting a Balance XXXX and payment history every month. I am requesting this information be corrected or the trade line deleted. 

I sent in dispute letters to all three credit reporting agency 's via certified mail on XX/XX/2020. I am yet to hear a response

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 2020-12-30 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: WA

Complaint narrative:
I spoke to XXXX XXXX  XXXX about settling an account that is on my credit report ( Account # XXXX ) to my surprise I was told that they do not own the account or have anything to do with said account any more they sold the account to Client Services but they are still reporting a Balance XXXX and payment history every month. I am requesting this information be corrected or the trade line deleted. 

I sent in dispute letters to all three credit reporting agency 's via certified mail on XX/XX/2020. I am yet to hear a response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: WA

Complaint narrative:
I spoke to XXXX XXXX XXXX  about settling an account that is on my credit report ( Account # XXXX ) to my surprise I was told that they do not own the account or have anything to do with said account any more they sold the account to Client Services but they are still reporting a Balance XXXX and payment history every month. I am requesting this information be corrected or the trade line deleted. 

I sent in dispute letters to all three credit reporting agency 's via certified mail on XX/XX/2020. I am yet to hear a response

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 2020-12-30 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: NC

Complaint narrative:
Hello, I am asking to reinvestigate the accounts that are not mine. I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you delete them. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: NC

Complaint narrative:
Experian - I have sent over 5 dispute letters to Experian all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 120 days now and I would like some action taken to get this resolved. 

I already filed a previous CFPB complaint and received a response yesterday ( XX/XX/XXXX ) from Experian stating " your investigation does not appear to be sent by you or to be authorized by you '' I would like to know how Experian came to this conclusions after all the information and attachments I supplied to them telling them the information is incorrect. I attached the certified mail letters and reflected the receipt numbers on the letters as proof. I am very upset that after sending multiple letters by certified mail and filing complaints that Experian would say something like this. They are clearly not looking into my complaint. I even attached a photo ID as proof that I am sending these letters. Yet they have not removed it from my credit report. Please look into this matter and get this resolved. 


XXXX - XX/XX/XXXX Actions Taken by Me : Sent 5 dispute letters to Experian all by Certified Mail Return Receipt to remove inaccurate accounts. The accounts are still reflected on my credit report after telling them the information is inaccurate.

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 2020-12-30 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: MS

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY 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
Consumer complaint received 2020-12-30 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: MS

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY 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
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
ON OR ABOUT XXXX XXXX, I MADE AN AUTO PAYMENT WITH THE CURRENT COMPANY. APPROXIMATELY 2 WEEKS LATER, I MADE XXXX AUTO PAYMENT. I CHECK MY SCORES EVERY DAY AND NOTICED NO CHANGES. I THEN NOTIFIED THE COMPANY ABOUT GIVING ME CREDIT FOR EARLY CREDIT. I WAS THEN TOLD THAT THEIR COMPANY REPORTS TO EACH CREDIT AGENCIES A FEW DAYS AFTER THE DUE DATE OF EACH MONTH. AS OF XX/XX/2020 I HAVE STILL NOT SEEN A CHANGE IN MY CREDIT FROM ALL 3 CREDIT AGENCYS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation