vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 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: KY

Complaint narrative:
I applied for a credit card from XXXX and was approved. They used Experian. As the rate seemed high, I decided to check my report. They have a section called " Get a quick view of what lenders see. '' It reflects my overall credit usage as 240 %. Credit used is showing as {$3500.00} and credit limit of {$1500.00}. The {$3500.00} is the remaining balance of my XXXX XXXX XXXX card I owe and am paying off ( I closed this card on XX/XX/2021 ). The credit limit on the card was {$6800.00}. The {$1500.00} is the credit limit for my XXXX XXXX card. I have a {$0.00} balance on this card. 

This is very deceptive to lenders because it doesn't accurately depict how I use credit. It doesn't take into account my {$6800.00} credit limit I had for the card and it makes it seem as if I am maxing out my cards, which I am not. It hurt my interest rate on the credit card I was approved for. 

I opened a dispute but I can't select that section so I had to select my XXXX account and type the dispute info. They didn't do anything about my issue. When I call the customer service number, I have to say I am a " member '' in order to speak to anyone. We should not have to be a member to view out credit report. They are just trying to avoid lawsuits by establishing an agreement. I have attached the portion of my credit report that shows the credit usage snapshot.

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 2021-06-17 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: MD

Complaint narrative:
On XX/XX/XXXX I received an alert from Equifax regarding an update to an unverified Student loan account with WFS. I already have an open complaint with them directly and the submitted they needed more time to respond to my complaint. 

As you can see, they had stopped reporting to Equifax and most recently Equifax has reinserted this unverified account to my credit report without fully investigating and verify. They are still investigating per XXXX XXXX letter dated XX/XX/XXXX. On XX/XX/XXXX, with no update its reported inaccurately to all bureaus with inconsistent information. Per FRCA, before reinserting they must notify me via mail their intent to reinsert. I sent a factual dispute to XXXX and XXXX due to me not being liable due to fraud. They were to follow suit with Equifax but Equifax unlawfully entered the information BACK on my report after failure to verify previously. I have attached proof of resinsertation and my file police report and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: HSBC NORTH AMERICA HOLDINGS INC.
State: MO

Complaint narrative:
Please see XXXX, reopening. HSBC has not provided explanation on why incorrect 1099-C code was inputted on form. HSBCs response to see previous correspondence from them is insufficient as the code should be A for bankruptcy and they have never provided any explanation on why the incorrect reporting codes were used. This card was cancelled and closed due to a bankruptcy filing.

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 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I contacted the bank on a transaction that had not yet posted in my account and stated I had money to cover the transaction when it posted and they still charged me an overdraft fee regardless it posting.

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 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA Federal Bank closed my bank account with any notice or any heads up. By them closing my bank account it effected my direct deposit from my job, and cause an eviction notice for me and my family. I had made some disputes because all my personal information was stolen including my SSN, and I reported the claims. But instead of USAA trying to help resolve the situation, my account was closed without any notifications or warnings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to you in order to figure out the way out from the terrible situation that happened with me. I have fraud activity in my credit report mainly fraud accounts. SO I figured out accounts that are not mine. I am victim of identity theft. Please delete them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: FL

Complaint narrative:
I am writing to you in order to figure out the way out from the terrible situation that happened with me. I have fraud activity in my credit report mainly fraud accounts. SO I figured out accounts that are not mine. I am victim of identity theft. Please delete them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Account Name : MERCHANTS CREDIT GUIDE Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} Reason : Identity theft Please remove it from my credit report. 

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: PA

Complaint narrative:
I have reached out to the bureaus several via mail asking to remove these fraudulent accounts. 
XXXX/XXXX Account # XXXX balance- {$480.00} XXXX/XXXX  Account # XXXX balance- {$580.00} XXXX XXXXt Account # XXXX balance- {$990.00} XXXX Account # XXXX balance- {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have reached out to the bureaus several via mail asking to remove these fraudulent accounts. 
XXXX/XXXX Account # XXXX balance- {$480.00} XXXX/XXXX Account # XXXX balance- {$580.00} XXXX XXXX Account # XXXX balance- {$990.00} XXXX Account # XXXX balance- {$1400.00}

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 2021-06-17 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: NC

Complaint narrative:
In XX/XX/XXXX, an account I had with XXXX XXXX was closed. Despite the account being closed, this account continues to report active delinquencies. In fact, the bureaus have reported continual 120 day late payments every month since the account was closed, and continues to do so. I have contacted the credit bureaus to correct this issue multiple times, but they refuse to take any action.

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 2021-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/2019, an account I had with Capital One/WalMart was closed. Despite the account being closed, this account continues to report active delinquencies. In fact, the bureaus have reported continual 120 day late payments every month since the account was closed, and continues to do so. I have contacted the credit bureaus to correct this issue multiple times, but they refuse to take any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: CA

Complaint narrative:
EQUIFAX continues to inaccurately report THE XXXX XXXX XXXX as a collection on my credit report without being properly investigated. After investigation, XXXX  has already deleted this erroneous collection from my credit report. The major credit agencies are required to investigate disputes and accurately report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX Paypal initiated an EFT of {$110.00} from my XXXX XXXX Account without my permission for a debt NOT owed and repeatedly disputed. Shocked by their email confirming the payment, I immediately called XXXX XXXX to return the payment to my account. 
On XXXX XX/XX/XXXX Paypal confirmed that 'Your bank declined the funds transfer on XXXX XX/XX/XXXX ' stating " Your recently attempted to transfer funds from your bank account to your PayPal account. '' Outraged by their audacity to allege attempts I never made, I instructed XXXX XXXX to 'STOP ANY PAYMENTS TO PAYPAL XXXX ' On XXXX XX/XX/XXXX PayPal again attempted an unauthorized EFT from my account stating : " Thank you for paying your XXXX account balance. '' They continue to make up these statements with no proof & no scruples! 
Since this hasn't worked, they send me periodic emails stating 'Your bank account is showing suspicious activity. ' As recently as yesterday! It makes me panic and call the Bank. This is a SCAM perpetuated by PayPal! 

Transaction ID : XXXX / Transaction Date : XX/XX/XXXX XXXX XXXX Merchant : XXXX XXXX, Invoice ID XXXX. 
Please note I closed my XXXX account on or about XXXX XXXX with a full and final payment of {$110.00}. 
On XXXX XXXX confirmed payment & noted via email : Total invoice amount due : {$0.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: ID

Complaint narrative:
On XXXX I was notified by Coinbase that an unauthorized transfer of {$1000.00} was unsuccessful and that I had to act immediately to fund this action. So I transferred the {$1000.00} and contacted Coinbase to explain that I did not make this transfer and that it came from their end. Coinbase locked my account out of XXXX. Coinbase told me to make several security measures and then they would unlock my account. I did. Since then I made requests to explain the unauthorized withdrawal and to unlock my account. No one has ever responded to multiple request including a close account request. Coinbase has refused to communicate or explain why I am out {$1000.00} or unlock my account. I mailed XXXX XXXX CEO of Coinbase of the circumstances regarding this indefinite unlawful lock out and non-responsive customer support as well as the multiple class actions against Coinbase for the same issue. 
No one has responded and I am still locked out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have spoken with Several representatives spending multiple hours and time trying to get Equifax to accurately report and release my credit history. Equifax has continued to misrepresent me in will not accurately update my account. I have sent in the information that I have confirmation for. Every time I speak with a representative I am told something different. I have been working with Equifax since XXXX to correct this issue and I have asked to speak with Managers or higher up but for whatever reason Equifax 's no longer has a manager to assist the CSR. I was told by the CSR that I needed to speak with him or get nothing. He refused to cancel the online profile to protect my credit as I don't want it because it is not reporting accurate information. Equifax continues to send out letters stating that I am not creditworthy I have no credit score and no credit history, when in fact this is NOT true. However when I log in to myequifax.com its shows am credit score and good credit history, yet the report the total opposite to potential creditors which in turn I'm denied credit. They have admitted that my credit file is has something going on with it I have been told its been corrected but as of today it is not correct and the workers representing Equifax refuse to fix this therefore Equifax is actively and knowing defaming my character by NOT reporting my TRUE and REAL credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the XXXX XXXX XXXX  is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN 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 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit management They been calling me 4 times a day starting at 8 a.m. through out the day 4 times. They are collections from cable company. That failed to I form Mr that bill was increased and just sent a bill for {$250.00}. When I was paying for an entire year {$110.00}. I contacted them tried negotiating it. Lady was not helpful. I changed immediately cable company. Ask for reduction since I was unemployed and sick. No answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/21 I withdrew XXXX from my business account and the teller made a huge mistake and withdrew the money from another persons account. They waited a whole week to catch the mistake to call me and tell me they messed up. In the mean time i paid bills and had to pay employees, Because if this mistake I have no money over drew my account and was offered zero help in return. This would not have happened that the money been pulled from the proper account t as I would have seen it was not in there and proceeded appropriately.

They offered zero help or ways to help me even though it was 100 % the banks mistake as I went directly into the building to withdraw.

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 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: PA

Complaint narrative:
I received a notice in the mail on XX/XX/XXXX from Online Information Services indicating I owed XXXX to XXXX XXXX. I have locked my credit and created an ID theft notice as of XX/XX/XXXX due to the fact many utility accounts were opened in my name in Texas. I have reported at least 5 utility collections in the last 5 months. 

After calling Online Information Services to dispute they indicated I had to enter a complaint with the FTC and send it to XXXX along with a police report. They also indicated they could not provide me any proof of my dispute via mail, email, or a case number. However, they did indicate they would mark it as disputed. They also indicated only XXXX could resolve the collection.

Company response to consumer: Closed with explanation