vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-05 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: TX

Complaint narrative:
I am writing because of equifax non compliance procedure in regards to a inaccurate account XXXX XXXX XXXX Mortgage they continue to report and dont fix. I am beyond exhausted on trying to challenge this item and they not comply making it unfair to me and my future credit opportunities because of their inaccurate reporting. XX/XX/XXXX I challenged this item with equifax because they were reporting this account as a foreclosure but they reported this account still open. they reported the date of last payment XX/XX/XXXX but the account was reporting open. they reported a {$0.00} past due and balance but still open and showing as derogatory. XXXX XXXX reporting guidelines states that a redeemed foreclosure must be reported as paid. fast foward to XX/XX/XXXX XXXX I got a updated credit report on my credit monitoring because I can't rely on them sending me any updates regarding my challenge letter. absolutely nothing changed but the reported date that changed XX/XX/XXXX. to my understanding the reported date field indicates that's when the furnisher has verified all reporting information as accurate. if that is so then why are the same exact errors continuing to report? this account is not open. once foreclosed the account must be considered closed. if the furnisher was able to verify all reporting information as accurate then why is their reporting fields missing causing the account to not only be inaccurate but also incomplete. to my understanding when the credit reporting agencies prepare a consumers report they must follow procedures be sure that every reporting field is of maximum accuracy. these blatant errors are proof equifax is in non compliance and its not fair for me to be getting denied credit because of these errors. their improper procedures are causing my credit score and report actual damages and defaming my character and credit worthiness. I have given them a chance to fix these errors and they do not comply nor respond as they are required to do. attached find proof of their updated inaccurate reporting from my XX/XX/XXXX report. im not even going to begin how many inconsistencies I see between XXXX and equifax so ill let you be the judge when you view my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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 sent a letted to verify the accounts on the credit report and was never provided proof of verification. More than 30 days have past. This has hurt my ability to obtain credit. There may have been defamation of character. I was taken advantage of due of to malpractice while several laws where being broken under the FCRA by your company this has caused me financial injury.

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 2022-02-05 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: U.S. BANCORP
State: NC

Complaint narrative:
I did not consent to, authorize, or benefit from the above-mentioned inquiries and I ask that they be removed immediately from my credit file : 1. XXXX  XXXX  XXXX  on 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 2022-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: CO

Complaint narrative:
Capio bought some old debt from XXXX. When they reported it to the credit bureaus it was listed as a new collection from XX/XX/XXXX instead of the original date. This is from a hospital where I did not receive adequate medical attention yet still received a full bill, despite having insurance. Aside from the cause of the debt, the date should be reflected as XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05 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 sent a letted to verify the accounts on the credit report and was never provided proof of verification. More than 30 days have past. This has hurt my ability to obtain credit. There may have been defamation of character. I was taken advantage of due of to malpractice while several laws where being broken under the FCRA by your company this has caused me financial injury.

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 2022-02-05 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 sent a letted to verify the accounts on the credit report and was never provided proof of verification. More than 30 days have past. This has hurt my ability to obtain credit. There may have been defamation of character. I was taken advantage of due of to malpractice while several laws where being broken under the FCRA by your company this has caused me financial injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Coinbase failed to protect my funds which were stolen and their Wallet product has security flaws that allowed this to happen. {$75000.00} was moved out of my Coinbase wallet by a scammer and Coinbase did nothing to stop it or warn me about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: Possible Financial Inc
State: CA

Complaint narrative:
I have XXXX accounts on my credit report that are fraudulent and those accounts are possible financial and XXXX XXXX Back in XXXX and XXXX I got my social security card stolen along with my ID and all my cards. I have been trying to dispute these accounts for months now. I reached out to possible financial explaining the situation and that I never had an account with them and in an email the representative XXXX on XX/XX/XXXX stated that my email address does not match to any account on their records and I informed them that I know but an account is being reported on my credit report and its damaging my credit worthiness and stopping me from buying a house. I also contact XXXX XXXX on XX/XX/XXXX and I spoke with a XXXX and a XXXX and both of them said the only account they found under my name is a corporate account from my current job and position as a branch XXXX at XXXX XXXX XXXX XXXX and nothing else and when I explain that a credit card that is reporting on my credit report as charged off and is not mine when they looked it up they said it was attached to a XXXX and I dont know who that is. Ive been trying to dispute this with XXXX and XXXX and they keep updating the information allowing the fraud to stay on my credit report. I have provided numerous of police reports and supporting evidence that these account are not mines but they keep allowing them to stay. I filed a report with the Federal Trade Commission and attached it to the dispute, I even filled out possible financials affidavit and attached to the dispute for documentation and yet they still keep updating the information. My credit means a lot to me and having these fraudulent accounts on my credit report bringing my XXXX XXXX down and tarnishing my name and creditworthiness and stopping me from being able to build my future and life is devastating. I have disputed these accounts so many times on numerous occasions providing strong documentation showing these accounts dont belong to me and yet they still are allowing them to stay on my credit report and XXXX still being punished with these fraud accounts that do not belong to me and I need them gone off my credit report immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: AZ

Complaint narrative:
Texas child support division isn't reporting on my credit report right I am not 120 days past due I want it removed I want 120 past due removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: NC

Complaint narrative:
There are 2 XXXX  XXXX  inquiries on my report one made on XXXX, XXXX and one on XXXX XXXX There is one account from XXXX XXXX  XXXX  made on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX I did not authorize any of these inquiries.

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 2022-02-05 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/XXXX. And now we are in the month of XX/XX/XXXX 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. PLEASE UPDATE OR REMOVE THE 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 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 2022-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I updated my autopay ( for second time ) to make certain statement balance was paid ( no left over money due after payment to accrue interest ). The first request, which I made last XXXX, was changed ( without my consent ) to minimum payment autopay. I discovered the issue in XXXX and called immediately to re-establish the statement balance autopay. I then received a letter ( Dated XX/XX/2022 ) stating the statement balance would be applied for autopay. The date of XXXX XXXX effective date was listed on the letter and the amount of the payment ( {$980.00} ) to be automatically paid. ( see image of letter attached to this complaint ) The credit card company ( Barclays USA ) did not make any attempt to collect the payment from my bank on XXXX XXXX I verified the lack of attempt to collect the payment with my bank! ( see attached email from XXXX Banks ) Despite Barclays failing to make any attempt to collect the payment which I authorized, the credit card company reported the account past due, charged me a late fee and interest! ( See attached copies of my Credit Card Statement ) This is the second time Barclays Bank has done this to me!

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 2022-02-05 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: 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 Experian 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 Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE 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 2022-02-05 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. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I tried logging into my account during work and could not log in. I called into Navy Federal to see what was going on with my account and why I could not log in. I was advised that my account had been compromised online and that there was a mobile deposit made to my checking account which raised the suspicion of the XXXX Department at Navy Federal. I was told I could not bank with Navy Federal again until the issue is resolved which is against the law since I am truly a victim of identity theft. I can not be denied an account that I did not commit fraud on, which again is against the law. I will be getting my lawyer involved if this issue is not resolved. I have been a member with Navy Federal since 2018 and have never committed any fraud or missed any payments/deposited suspicious funds into my checking account. I highly believe my information may have been hacked somehow. I would like this resolved immediately please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: MI

Complaint narrative:
I have New and Updated information about Amcol Systems LLC Amcol is violating my federally protected rights as a consumer. I asked them for an audit trail along with any HIPPA authorization. They sent back statements with personal medical procedures, which is irrelevant to what I asked for. I have the rights to an proper investigation which Amcol has failed to do so in 30 days, the alleged amount of the alleged debt keeps changing. 
They are also in violation of my rights to cease and desist all communication from all Mediums, they are still reporting on my consumer report and contacted me after asked not to do so. 
I also sent an Affidavit and a notice to cure that they have failed to respond to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contacted Experian and gave notice and instructions to remove unauthorized accounts from my consumer reports, i also informed them that they did not have permissable purpose and no consent to report or furnish anything, no consent is considered as Identity Theft Pursuant to USC 1681 b, Title 15 chapter 41 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX 4 XXXX XXXX XXXXXXXX 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 2022-02-05 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/XXXX. And now we are in the month of XX/XX/XXXX 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. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2022-02-05 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: 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 Experian 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 Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 explanation
Consumer complaint received 2022-02-05 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. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted Transunion and gave notice and instructions to remove unauthorized accounts from my consumer report I also informed them that they did not have permissible purpose and no consent to report or furnish anything, No consent is considered as Identity Theft Pursuant to USC 1681b Title 15 Chapter 41 Transunion Accounts 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 2022-02-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted Equifax and gave them instructions to remove unauthorize accounts from my consumer reports, I also informed them that they did not have permissible purpose and no consent to report or furnish anything, This is considered as Identity Theft Perusuant to USC 1681b Title Title 15 Chapter 41 1. XXXX XXXX 2. XXXX XXXX 3 XXXX XXXX 4 . XXXX XXXX 5. XXXX XXXX XXXX

Company response to consumer: Closed with explanation