vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-11 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:
I filed a Federal CFPB Complaint # XXXX against XXXX XXXX. 
This Complaint was resolved literally at XXXX XXXX  on the NEXT BUSINESS DAY ( XXXX ) by the Collection Company admitting to the CFPB that the Collection Account in question was NOT my legal responsibility, and this XXXX XXXX Account was to be PERMANENTLY DELETED from my File at ALL Credit Reporting Companies. It was ultimately ONLY DELETED from XXXX on the SAME DAY. It remains on Experian. 
This Complaint Resolution information is VERIFIABLE by CFPB Official Records, which I, XXXX XXXX XXXX, grant CFPB permission to fully release to ALL Companies/ Organizations involved in this Action. 
I have contacted Experian on multiple occasions, totaling in excess of 4 hours of telephone time, giving them the CFPB Result Information & given the lack of action by the Collection Company, trying to have Experian REMOVE the XXXX XXXX  erroneous information as was agreed to by XXXX XXXX with the CFPB. 
Experian REFUSES to do so in violation of Federal Law & Regulations. 
I was treated badly/ rudely by their employees at several levels/ offices, & finally after hours & multiple calls was referred to their Consumer Affairs Office , which did not answer my call. 
Therefore, I file this Federal Complaint, & pray for ALL Federal remedies against Experian for this Breech of Duty on their part in WILLFULLY FAILING to remove KNOWN FALSE information from my Records, & contemptuous treatment of a Consumer for questioning them for so doing. 
I also authorize Public Posting of this Complaint Information on your Official Website in the hope of enlightening other Consumers & potential Business Clients of Experian to their methods of so-called Customer Service , especially since other Credit Reporting Companies responded appropriately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am appalled and disgusted by the belligerent customer sevice and bias discrimination I received. I have been a Bank of America customer for over 7 years and never until today have I experienced social economic discrimination that defies human decency and shatters all critical race theory progression. I walked into Bank of America located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I encountered XXXX who talked to me as though I was a remedial when I have ascertained over 4 advanced degrees. BOA is in violation 12 CFR 204.2. I walked in BOA a consumer and walked out overstanding equal opportunity or customer service is an illusion. I filed my complaint over a week ago and wasn't even contacted. Utterly disgusting! 

My complaint number is 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 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Hello Just as I'm gon na upload some medias in the attachment menu, I'd like to go on and explain that Citibank held my funds for no just reason. I have {$17000.00} comfortably sitting down in my supposed Citibank Priority Account when it could be serving it's meaningful purpose in the XXXX  state of which I currently am. I would have moved my funds and withdrawn it if only Citibank let me but I can't access it because it is blocked. All they do is send me some letter that my account is being closed within the next 60 days and I will be mailed that which is due me after the close is supposedly complete. I have also called their numbers but they tell me to be patient and give them time that may affect me if urgent care is chanalled to my problem. I don't really care if the account is being closed or not, what matters to me is my {$17000.00}. I have need of it now that I'm edging closer to my XXXX XXXX  and I'm a single parent. All the funds therein have been acquired legally. My account is blocked and the access to my funds is blocked. I can't make ATM withdrawal neither can I make transfers to my other linked accounts. I get balance alerts from time to time stating that my funds ( {$17000.00} ) is in the account, in the current and available balance. All necessary information have been uploaded for your perusal, please kindly help me as I do have need for my funds.

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 2021-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In the month of XX/XX/2021 I applied for an American Express card, which included my social security card, also known as my open end credit card per 15 USC 1602 ( l ). American Express denied my application but was paid by my open end credit card. On XX/XX/2021 I forwarded a letter, which detailed the above, and also included the remedies sought by this writer. To date " American Express '' has not responded, the letter also explained that they " American Express '' are civilly and criminally liable per 15 USC 1611 and 145 USC 1692 ( k ). My desire is to resolve this outside of Federal Court. The Adverse letter that received from them is not in compliance with Federal guidelines per 15 USC 1681 ( m ). If American Express doesn't resolve this issue with me I will file a lawsuit against them. They only seem to listen to LEGAL action. Please look into this while I start my legal claim. I have already consulted and hired an attorney who handles issues like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, excuse my spelling ( I use a translator ) my language is XXXX  I have been a user of the Coinbae application for more than two months. 
Everything was fine so far I registered and provided all the official documents, for the verification of my person and to avoid fraud etc. 
The problem is that since XX/XX/2021 my account is blocked by Coinbase with the excuse that it is under review This after having registered for more than two months and with my verified identity Update my personal and work data etc. 
But the situation persists Unable to contact Coinbase customer service On the phone is a recording And by email a robot answers with the same answer always My money is blocked and I can't do anything Can you please help me get Coinbase to release my account Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Account in question : Discover This account is continuously reporting charge off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to Experian and it came back on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After disputing this account 3 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from Experian. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had 5 time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.

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 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
I received a phone call from the debt collector and immediately requested validation of debt in writing, clarifying a letter as they stated they can not send it via email. I never received any letter validating the debt after providing my new address. They did send an email, but on the call we agreed the communication would be via letter. I had a lawyer on retainer and was prepared to dispute the claimed debt once received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XXXX - Inquiry : XX/XX/2020 ; XXXX XXXX XXXX - Inquiry : XX/XX/2020 ; XXXX XXXX XXXX XXXX - Inquiry : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have attempted on several occasions to retrieve the source of Experian bankruptcy. As of today, they explained that XXXX XXXX is their source. I have attached a letter verifying that XXXX XXXX said that they could not verify a Bankruptcy that has been placed on my Experian credit report and I ask for that same reason that it be removed from Experian as well.

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 2021-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

AMERICAN ACCOUNTS AD XXXX Balance {$880.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: FORD MOTOR CREDIT CO.
State: MN

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX XXXX Balance -. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: OPTUM BANK, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I elected to close my Heath Care Savings Account ( HSA ) with Optum Bank. The account with Optum was established when I was working with a former employer. 

I wanted to move the funds to XXXX XXXX where I currently have an HSA account. 

To start the process, I called Optum Bank and ask for directions and they told me to contact the XXXX XXXX and start the process. 

XXXX XXXX contacted me today about the transfer and I learned that the process has not been completed. 

Calls were made ( three ) to Optum Bank to determine what the issue ( s ) were and I learned that the paperwork was not received, XXXX XXXX sent the paperwork over within a few days of receiving my competed paperwork. 

I then reached out to XXXX with the fax number and an Email to resubmit the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Account in question : XXXX  This account has several issues that I have tried to get resolved. This account is reporting open when it was closed back on XX/XX/XXXX of XXXX as you can see in the document that I have attached. This account was charged off back on XX/XX/XXXX of XXXX yet it has been reporting 30 days late for the past 3 years. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
As you can see of the attached document, it was reported 30 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
. I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to Experian and it came back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After disputing this account 4 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from Experian. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had 5 time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.

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 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX took out 2 charges on my account in the amount of XXXX and XXXX so when I seen those charges I try to contact XXXX on XX/XX/XXXX and was on hold for a long time so I dispute it with pnc bank so they open up a dispute on XX/XX/XXXX and when they did that I told them that I have an email that XXXX send me and the price was lower than they charged me and my car insurance is no where in being XXXX a month because I wouldn't of took them if it was. So on XX/XX/XXXX they reverse the charge of XXXX and XXXX didn't give me any notice on why and when I called them after I got out of work I called them to find out why they had me on the phone for over a hour and then hung up on me so I got no answer on why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The company is falsely reporting a late 30 days payment on my account for XX/XX/2021. 
By federal law, a late payment can not be reported to the credit reporting bureaus until it is at least 30 days past due. An overlooked bill won't hurt your credit as long as you pay before the 30-day mark, although you may have to pay a late fee. 
I have never had a 30 days late payment after the due date and as such needs to be immediately removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Pro Collect Inc. has furnished and reported information without my consent. They are falsely reporting an alleged debt from The XXXX XXXX ( an apartment complex ). To whom, I do not owe any debt. Under federal consumer laws, ProCollect Inc. does not have any rights to say or report that I owe a debt. I have sent this company 2 affidavits in which they only responded to the first one, with the information I attached in this complaint. The second affidavit on XX/XX/2021 they did not respond. This company is in violation of the federal credit reporting laws listed below : 15 usc 1692 ( b ) 5 15 usc 1692 ( b ) 2 15 usc 1692g ( a ) 2 15 usc 1692 ( f ) 1 15 usc 1692g 15 usc 6802 In the files attached to this complaint, these laws and how they are in violation, are explained.

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 2021-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent multiple dispute letters to Experian about removing a PAID closed account. however Experian refuse to delete the account. However challenging this XXXX deleted the account and Experian saying its updated. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA.

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 2021-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Kovo
State: GA

Complaint narrative:
I am in the process of fixing on my credit and there is the company by the name of KOVO stating that they can help you build your credit like a loan but they dont loan you anything they take money from your account. The process is 24 months well I had noticed that my credit wasnt updating I contacted them to close the account and refund me my money. They basically stated that they couldnt the funds they get from their clients is used for covering their operation cost. They will not refund me the money I have paid also they are stated to close the account they will forgive the loan, but they have not giving me a long its my money I want it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AD ASTRA RECOVERY SERV. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Below are the accounts that are reporting on my Credit Reports : 1. AD ASTRA RECOVERY SERV XXXX Opened XX/XX/2019 Balance {$850.00} ; 2. AD ASTRA RECOVERY SERV XXXX Opened XX/XX/2019 Balance {$210.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MN

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on I.C. SYSTEM, XXXX XXXX Balance {$1800.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal 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 2021-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

NAVIENT account is reporting late as reported in my XXXX Credit Bureau. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.

Company response to consumer: Closed with explanation