vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 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: NC

Complaint narrative:
I am very distressed due to the fact that I have been contacting Equifax since XX/XX/2021 about the incorrect information on my credit report. They have been sending me stall tactics and they have violated my consumer laws. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should alb removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that they remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 

This is the account that is incorrect and needs to be deleted and blocked XXXX XXXX XXXX This inaccurate information is causing me distress and it is going to continue to cause me stress until they remove this account. It has been over 4 months they have been violating me and wasting my time. XXXX  deleted the account because they violated my consumer rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: TX

Complaint narrative:
XXXXXXXX XXXX account with an outstanding balance of {$980.00} not reporting accurately across the three bureaus after multiple disputes have been opened. The account continues to come back verified but the information being reported does not align across all three bureaus nor does it align with what the original creditor supplied with billing statements as well as their own response to an inquiry.

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 2021-06-02 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: NY

Complaint narrative:
if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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:
At present I am exasperated! I have endeavored to be patient yet it is very difficult to be patient when you feel that you are consistently being dismissed by someone. I think you neglect to recall that I am the client agreeing! " 15 U.S. Code 1681 - Congressional revelations and statement of purpose ( a ) Accuracy and respectability of credit uncovering ( 1 ) The monetary structure is dependent upon sensible and definite credit reporting. Mixed up credit reports directly cripple the viability of the monetary structure, and unmerited credit declaring techniques damage the public assurance which is central for the continued working of the banking system. ( 3 ) Consumer enumerating workplaces have expected an essential part in accumulating and surveying customer credit and other information on purchasers. The monetary system is dependent upon the sensible and accuracy declaring of purchaser workplaces. Exactly when you disregard to deal with your work notwithstanding the way that it harms me it impacts the monetary system. The monetary system acquires cash by crediting to clients like me. I have associated a couple of times protesting about the mistaken things on my purchaser report. Well I am complete whimpering. I demand you take out these off-base things or I will search for suit for the total of the encroachment and for the torture all of you have caused me by annihilating my remaining by uncovering mistaken things.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: MD

Complaint narrative:
TransUnion reported a hard inquiry from XXXX XXXX XXXX. I have NOT requested any credit from XXXX XXXX XXXX. TransUnion is unlawfully reporting I requested loan from XXXX XXXX- and that false. The reporting caused my credit score to drop by 10 points on XX/XX/2021. I want TransUnuion to remove the false information regarding XXXX XXXX XXXX & restore my 10 points!

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 2021-06-02 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: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX

Complaint narrative:
XXXX  reporting late payments for State of Texas/Student Loans when no payments were late as the loan has always been in deferment. Disputed the account and XXXX changed the status to deferred but did not remove the late payments. Also reporting the balance incorrectly and still continues to report the same information even after the information provided from the loan servicer states otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: VA

Complaint narrative:
I have had an account with Paypal since XXXX that currently holds {$100.00}. I am trying to withdraw the funds to any other account. Paypal claims I need to verify my identity, but has refused all my attempts at providing identifying information, and now claims there is a 180-day freeze on my account, but will not provide further information. Talking to Customer Service Reps ( CSR ), I have received the following contradictory and often incoherent answers : - You need to submit the identifying documents ( I have done this three times ) -You need to wait 24-48 hours or up to 10 days for the system to " refresh '' ( I've been waiting over a month ) -Your account has a permanent hold for 180 days. 

-You can transfer the balance in your PayPal account to your bank account or to send you a check. You can't withdraw your money now because we want to make sure that you have money in your account to cover any new complaints or chargeback. 

-We have found potential risk involved with your account, transactions and activities as to why as a business decision we are parting ways with you. 

- '' Dear XXXX XXXX ( not my name nor anyone I've ever met ), we are unable to verify your identity. '' I just want to be able to escalate this issue to someone who can actually verify my identity and let me take out my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02 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: CORELOGIC INC
State: OH

Complaint narrative:
I am requesting a security freeze for my credit fie I recently lost my wallet and ID SS card.XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XXXX I would also like a PIN number to protect all of the credit information. Ineed a new copy of my XXXX XXXX and XXXX  credit report as well too!! I believesomeone have already started applying for account in my name because I have received alerts for A XXXX XXXX, I don't have any credit cards. I have a fraudulent account from 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 explanation
Consumer complaint received 2021-06-02 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: HYUNDAI CAPITAL AMERICA
State: OR

Complaint narrative:
The car in question on this account was returned in XX/XX/2020. It was returned to XXXX XXXX XXXX in XXXX XXXX, Oregon. The car was marked as grounded in the system and I was sent on my way. I filled out all the correct paperwork and paid all fines due at turn in. In XXXX of 2020, my credit card notified me that my credit had dropped by around 100 points. Unsure of what was going on, I investigated. Turns out Hyundai Motor Finance sent my mother and I to collections for not returning the car. I received no phone call, letters in the mail, update to my HMFUSA online account, or emails surrounding the issue. We were just sent to collections. I have called HMFUSA repeatedly to get this taken care of. Multiple times a month, escalated to multiple heads of department and NOTHING has changed. I have been told over and over again that there is nothing they can do to get my account taken care of, because the department that handles this issue is " behind ''. The department that is behind also doesn't take calls from customers. They are an internal facing only department. I returned this car over a year ago and am still suffering repercussions from this. My mothers credit has prevented her from buying a new car, or financing anything in the past year. This is completely unacceptable and I really hope the Federal Attorney General will file suit against Hyundai for all the people they have XXXX over, in the middle of a pandemic.

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 2021-06-02 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: GA

Complaint narrative:
On XX/XX/2021 I sent out dispute letters to XXXX XXXX and TransUnion for inaccuracies that have been reporting to my credit report. This has been an ongoing issue. It's now XX/XX/2021 and I am yet to get a response. Since they are not complying with my dispute request, today, I sent a 30 day demand to comply letter to each of the companies listed above ( XXXX XXXX and TransUnion ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: GA

Complaint narrative:
On XX/XX/2021 I sent out dispute letters to XXXX Equifax and XXXX for inaccuracies that have been reporting to my credit report. This has been an ongoing issue. It's now XX/XX/2021 and I am yet to get a response. Since they are not complying with my dispute request, today, I sent a 30 day demand to comply letter to each of the companies listed above ( XXXX, Equifax and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian reporting late payments for State of Texas/Student Loans when no payments were late as the loan has always been in deferment. Disputed the account and Experian changed the status to deferred but did not remove the late payments. Also reporting the balance incorrectly and still continues to report the same information even after the information provided from the loan servicer states otherwise.

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 2021-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.

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 2021-06-02 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02 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: GA

Complaint narrative:
I am so upset. My family and I have been struggling to get a house. I had viewed my credit report and have reached out to you about the errors that I found on my credit report. I will not sit around and be bullied by your company. I deserve to be treated with respect. I work to hard to have to suffer through this madness. I refuse to shed any more tears over this unfair treatment. " 15 U.S. Code 1681 - Congressional discoveries and mission statement ( a ) Accuracy and reasonableness of credit revealing ( 1 ) The financial framework is subject to reasonable and exact credit announcing. Mistaken credit reports straightforwardly debilitate the proficiency of the financial framework, and uncalled for credit detailing techniques subvert the public certainty which is crucial for the kept working of the banking system. ( 3 ) Consumer announcing offices have expected an imperative part in gathering and assessing customer credit and other data on buyers. The financial framework is reliant upon the reasonable and exactness detailing of purchaser offices. At the point when you neglect to manage your work in addition to the fact that it hurts me it influences the financial framework. The financial framework brings in cash by loaning to shoppers like me. I have connected a few times whining about the wrong things on my buyer report. Well I am complete the process of grumbling. I request you eliminate these incorrect things or I will look for suit for the entirety of the infringement and for the torment you folks have caused me by destroying my standing by announcing erroneous things.

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 2021-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have filed a formal dispute in letter form in regards to two items that were reported on my credit report that were inaccurate/false accounts. These accounts had an amount of {$240.00}, and {$470.00}, which were both in collections. I sent my letter in to the credit bureaus on XX/XX/21 and haven't heard anything about my disputes yet.

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 2021-06-02 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: MD

Complaint narrative:
The credit reporting agencies Equifax and XXXX  are misreporting information on my consumer credit reports and I am demanding the following accounts be removed from my reports as they are inaccurate and the agencies have not verified them in the allotted time. 

XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX Address ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: NC

Complaint narrative:
This is the second time we are contacting you about a car loan we paid off in XX/XX/1922 XXXX XXXX XXXX via our bank account at XXXX XXXX XXXX. The situation was resolved with us making a new payment having received a refund of the original payment. We have the title of the car. Our balance on XXXX XXXX finance shows XXXX. And yet we are receiving reports from equifax that our credit score has dropped to XXXX + points And then we are past due again.We have spent hours on the phone with XXXX XXXX XXXX, XXXX XXXX XXXX, And all the credit bureaus to resolve this the first time. I am now spinning additional time on this a second time. The car is and has been paid off for months. At this point I believe XXXX XXXX financial services needs to be penalized in a financial way. Their assurances to me over the phone that this is all been corrected are obviously not the truth.I have paid and re-paid the balance on this car. This was an early payoff, that has cost me a huge amount of time and trouble. I work for a XXXX XXXX company. The CFPB able to fine the XXXX XXXX XXXX for XXXX of XXXX for this kind of behavior. I expect XXXX XXXX finance to be held to the same standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
I have an account with Binance.US and i have been putting my money in as an investment for crypto currency. One day O tried logging in and all of a sudden my password was incorrect. I tried using the forgot password link but its not sending me the forgot password code. I never changed and of my information. I have been submitting requests to their online customer service since XXXX and I have yet to get any sort of response or resolution. They have kept all my money and theres nobody to reach out to in order to get this matter resolved. They are a complete scam stealing money from innocent hardworking Americans!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed a dispute regarding the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: OneMain Finance Corporation
State: NY

Complaint narrative:
I filed a dispute regarding the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation