vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX i disputed incorrect information with Experian and XXXX  to alert them that they are reporting incorrect information. I have received updated credit reports that do not match across these bureaus. The date of status also has not changed proving that there was no investigation done. One in particular is an account that is reporting an incorrect first delinquency date. On XXXX  its dated XXXX but on Experian its dated XXXX. Resulting in a longer period for this to remain on my credit report. I have also reached out to the collection company by certified mail to change the address they have so that The bureaus can delete the incorrect addresses they have on file. Experian will not delete these incorrect addresses and as a result I am afraid someone at one of the old addresses may be receiving my credit offers putting me at risk for identity theft.

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 2021-05-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello on XX/XX/21, I submitted a compliant through your system on the credit bureaus reporting inaccurate and unknown items on my credit report. I received a notification stating that my compliant has been received and recently checked to see the status of my compliant only to find that my case has been closed. The reason states that " We have contacted you to let you know that we need additional information about your complaint. We haven't heard back from you. Without more information we couldn't process your complaint and have closed it. '' I searched the website to identify what information was needed, but no where on your site does it state what information you need. This is extremely frustrating, it I sent my initial compliant on XX/XX/XXXX and it is now XX/XX/XXXX and I am still in the same place that I was when I started. I have not received any information from the bureaus nor has your office stated what information is needed for my compliant. What is the point of having a governing body if even your company does the same thing as the bureaus which is ignore us consumers. Which brings me to this question, what is my next step if even the CFPB will not protect me??? and clearly in your name is Consumer Protection Bureau ... Can someone please help me address this issue, I was looking to purchase a home by this summer but that has had to be postponed due to the negligence on both the credit bureaus and the CFPB part. I request that the following items on the documents be removed immediately or a compliant will be filed to the attorney general about both agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Hello I am writing this complaint about a letter that was sent to me from a company called Credit Collection Services for a collection amount of XXXX. I reached out the company on XX/XX/21 and explained to the representative that this was not my account and they continue to proceed with collection. I did let them know that I do reside at this address but the insurance company is reporting the information incorrectly on my account. I already reached out to the former collection agency in which this account was first sold to and they removed all obligation to collect from my credit and personal record. This is reporting wrong on my credit on XXXX, XXXX and XXXX and I would like it to be removed..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX has been inaccurately reporting me as 30 days late for the month of XXXX. A XXXX XXXX representative has also stated that they would submit the code to have my account reported as affected by a XXXX declared disaster for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but they have not done this either. I have tried resolving this with them multiple times and I have gone through the XXXX, and the credit bureaus. I have already submitted a complaint here through the CFPB but new information has surfaced. I received a response from them that admits I paid on time for XXXX, see attached, however they are still reporting me as 30 days late for XXXX and they have repeatedly refused to fix this.

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 2021-05-02 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: EQUIFAX, INC.
State: OH

Complaint narrative:
There are numerous inquires on my report that I did not authroized. I have launched over 10 dipustes over the inquires with Equifax, but they have failed to comply with FCRA and remove the following unauthorized inquires. Since that is a voilation of FCRA & I have attempted 10 + times to fix the situation with Equifax, I am raising my compliant with CFPB. The following inquires attached needs to be removed ASAP. Failure will result is civil penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: CITIBANK, N.A.
State: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX, XXXX ) and the Creditors ( DSNB/Macy 's ) 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. 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 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 2021-05-02 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/21 Fraud use my BOA credit card XXXX charged {$220.00} to buy product of XXXX XXXX internet ca. 

XX/XX/21 I reported to my BOA fraud dept about this fraud charge and change a new card number. Boa open claim I'd XXXX for me. 

XXXX XXXX email refund {$220.00} to back my credit card account payment profile I'd XXXX. 

XX/XX/21 BoA denied my case, XXXX refund money to somewhere out. I call report to both about the {$220.00} charge without my authority and BOA reopen claim XXXX for investigation. XXXX also open a new claim ID for investigation. 

I also report to XXXX, FTC gov

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 2021-05-02 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: MS

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the creditor ( 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/XXXX I reached out to the bank about a lost debit/credit card. I stopped transactions via mobile app and had received text messages from the bank stating that the transactions were denied. That said everything was actually debited from my account. When reaching out several times about the XXXX transactions totaling XXXX and was told that they would not be done investigating until XX/XX/XXXX despite my prompt report of unauthorized transactions and literally called despite turning my card off. These funds are my irs tax return and no provisional funds have been made available despite my calls and requests for a new card within a day of the most recent transaction that was supposedly denied by the bank. I have repeatedly asked for my money and spoke with the company that processed the transactions and was told that the bank needed to respond to the company. I continue to be put off all the while Im not able to pay my bills and care for my daughter due to my money not being available. I even spoke with visa regarding the unauthorized transactions guarantee but again said that I need to speak with the provider of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: NJ

Complaint narrative:
I received my credit report and noticed multiple unauthorized inquiries on my 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 2021-05-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I received my credit report and noticed multiple unauthorized inquiries on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX has been inaccurately reporting me as 30 days late for the month of XXXX. A XXXX XXXX representative has also stated that they would submit the code to have my account reported as affected by a FEMA declared disaster for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but they have not done this either. I have tried resolving this with them multiple times and I have gone through the XXXX and the credit bureaus. I have already submitted a complaint here through the CFPB but new information has surfaced. I received a response from them that admits I paid on time for XXXX, see attached, however they are still reporting me as 30  days late for XXXX and they have repeatedly refused to fix this.

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 2021-05-02 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: CO

Complaint narrative:
XXXX XXXX has been inaccurately reporting me as 30 days late for the month of XXXX. A XXXX XXXX representative has also stated that they would submit the code to have my account reported as affected by a FEMA declared disaster for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but they have not done this either. I have tried resolving this with them multiple times and I have gone through the XXXX  and the credit bureaus. I have already submitted a complaint here through the CFPB but new information has surfaced. I received a response from them that admits I paid on time for XXXX, see attached, however they are still reporting me as 30 days late for XXXX and they have repeatedly refused to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I reported fraud and sent police report. Have not received the following finds : XXXX {$78.00}. {$5.00}. {$53.00}. {$20.00}. {$200.00} XXXX XXXX {$20.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I contacted Sequim Asset Solution, LLC I spoke with XXXX XXXX, and ended up having to speak with a manager due to her rudeness over the phone. I spoke with a Supervisor named XXXX, I was advised that once I paid the account in full, I would get a letter of confirmation via email stating that the account was paid in full the payment cleared, and the collection would be removed from my credit report. At the time the only one it was reported to was XXXX 

The next day I received a notification from a credit monitoring source that I have, stating that a new account has been reported to XXXX on XX/XX/XXXX right after I paid the account off on XX/XX/XXXX, They had no right to do that, this was pretty foul, I did not receive anything in writing via email as promised, and I was not advised that it would he reported to another credit bureau that they have not reported to. This is bullying my credit, why would you report a collection that has been paid off to a credit bureau that you didn't report it to in the first place. They said it would be deleted, and I want it removed. This is credit report bullying, here it is XX/XX/XXXX, and have yet to receive the letter of confirmation via email as promised. 

There was not reason for them to report a new account as they told me that it would be deleted once the balance was paid in full. The said that the would send communication to the original creditor advising them that it was paid in full. The account is settled and I want the account removed as promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the creditors ( 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: Paypal Holdings, Inc
State: OH

Complaint narrative:
PayPal Limited My Account and They Can not Tell Me Why PayPal has probably the strictest rules when it comes to using their service. I have been using PayPal for about a decade and always had just one account until recently. PayPal limited my account a few days ago and it gave me way too many headaches. According to any reasonable human being, the PayPal limitation that was applied to my account was unfair and unjustified. They notified me over email that my account was limited due to suspicious activity. That can mean anything so the first thing I did was to check my account, look at the transaction history and logins but I could not find anything unusual. There was no indication that I did anything against PayPal To that would flag my account. As far as I could tell, my account was in good standing. After hours of looking into my account, checking their terms of service and looking through forums as to why PayPal would limit my account, I decided to give them a call. The person that answered had difficulties expressing himself in English but after more than 30 minutes of going back and forth, I decided to give up. According to the support representative, the reason I was suspended was specified in the email I received. Short recap, the email stated that I was limited due to suspicious activity which can mean anything or nothing. In my opinion, it is a mistake and PayPal does not admit that my account was limited unfairly. Their support staff barely provides any support. I found out that you can not even appeal the limitation. 

My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
A letter was sent XX/XX/2021 to ( debt collector ), requesting validation of debt.They responded with medical records, a direct violation of Hipaa regulations.They violated 15 USC 6801-6809, using nonpublic personal information with out my consent or authorization.I never signed consent authorizing them to use my nonpublic personal information. 
Enclosed with the complaint is a document where ( collection ), stated that I paid with a check which give them authorization to use my information with out consent.I provide my payment history where I never a paid nothing on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
We received a letter from a Debt collector, asking for the payment of {$320.00} apparently from a citation of the city of XXXX in XXXX, dated XXXX. We do not owe this money. A similar case was presented by these people, last year, that was totally paid by us. In the attachment is a copy of the letter received from the Debt Collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/21, I noticed on the XXXX app that Citibank closed my savings account without my consent and without notifying me in any way. 

The original reason the customer service representative gave me was that the customer ( me ) requested it. I said this was not true. 

Then they said it was because my account had not been active for 6 months and they closed it due to 'security reasons. ' Which is absolutely absurd, but I guess Citi has their own reasons. They said the money will be sent ( was sent on XX/XX/21 ) to the address they have on file and should arrive in XXXX days. 
This also shows that they straight up lied to me first - when they told me I had requested the account was closed. 

The real reason I'm mad is because there was no notification that my account would be closed, but Citi claims they emailed and texted me. I have checked my emails and texts, and I have no such notification. I also don't have the check they claim they sent me, so I just have to hope they aren't lying to me about the {$10000.00} I had in that savings account is sent in a check in the mail.

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 2021-05-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I sent a letters regarding the inaccurate and unverified items on my credit to this date XX/XX/2021 I have yet to receive any response. I feel like I am being taken advantage of an being ignored about my disputes. Section 611A it is clearly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been well over 60 days I demand those items are removed from my credit report immediately. Or I will be forced to file for litigation due to the stress you have caused me my information was also impacted by the equifaxs data breach an may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation