vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-14 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had several Regions Bank accounts that were discharged through bankruptcy in XX/XX/2917. These accounts ate all closed and no activity since XX/XX/2017 however the company continues to report the account as open and delinquent. They also continue to update the status which makes it seem as if the debts are recent when last activity date should be XX/XX/2017. Ive disputed several times with all bureaus and they keep responding to the dispute with incorrect information.

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 2019-08-14 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: CA

Complaint narrative:
The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : 09 XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Chapter XXXX Bankruptcy- Discharged XXXX doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I had several XXXX XXXX  accounts that were discharged through bankruptcy in XX/XX/2917. These accounts ate all closed and no activity since XX/XX/2017 however the company continues to report the account as open and delinquent. They also continue to update the status which makes it seem as if the debts are recent when last activity date should be XX/XX/2017. Ive disputed several times with all bureaus and they keep responding to the dispute with incorrect information.

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 2019-08-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had several XXXX XXXX accounts that were discharged through bankruptcy in XX/XX/2917. These accounts ate all closed and no activity since XX/XX/2017 however the company continues to report the account as open and delinquent. They also continue to update the status which makes it seem as if the debts are recent when last activity date should be XX/XX/2017. Ive disputed several times with all bureaus and they keep responding to the dispute with incorrect information.

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 2019-08-14 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Best Buy Credit card with a $ XXXX limit. I added my daughter to use the account. When the account was already over the limit from her charges, an additional charge was made for {$1600.00} and Best Buy added it to the bill and then wanted it paid. I have a limit of $ XXXX, period. The credit card agreement allowed for the bank to allow " Slight '' over charges. I demanded the additional charge be reversed, as I did not authorize the additional charge over my limit, and they have not acted or responded. I also removed my daughter from the account.

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 2019-08-14 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:
The following inquiries done by XXXX XXXX XXXX, XXXX, XXXX were not authorized.. I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Chapter XXXX Bankruptcy- Discharged XXXX doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information

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 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Chapter XXXX Bankruptcy- Discharged XXXX doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information

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 2019-08-14 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: CA

Complaint narrative:
The following inquiries done by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, were not authorized.. I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it 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 2019-08-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following inquiries done by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX  were not authorized.. I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it 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 2019-08-14 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:
Please take note that I was not 30 days late on XX/XX/XXXX on my XXXX XXXX  XXXX and not 30 days late on XXXX and XX/XX/XXXX on my XXXX XXXX XXXX. This is totally incorrect..Credit bureaus did not provide proper documents that could prove the account is in fact correctly reported but they wont overturn this erroneous inaccurate claim. CFPB step up and delete the negative items

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please take note that I was not 30 days late on XX/XX/XXXX on my XXXX XXXX  XXXX and not 30 days late on XXXX and XX/XX/XXXX on my XXXX XXXX XXXX. This is totally incorrect..Credit bureaus did not provide proper documents that could prove the account is in fact correctly reported but they wont overturn this erroneous inaccurate claim. CFPB step up and delete the negative items

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 2019-08-14 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: CA

Complaint narrative:
Please take note that I was not 30 days late on XX/XX/XXXX on my XXXX XXXX  XXXX and not 30 days late on XXXX and XX/XX/XXXX on my XXXX XXXX XXXX. This is totally incorrect..Credit bureaus did not provide proper documents that could prove the account is in fact correctly reported but they wont overturn this erroneous inaccurate claim. CFPB step up and delete the negative items

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 2019-08-14 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: IN

Complaint narrative:
The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) , XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14 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: IN

Complaint narrative:
The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX  XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : 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 2019-08-14 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: IN

Complaint narrative:
The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/2019 my account was locked by cashapp. I currently have {$990.00} locked in my account and no one has contacted me or gotten back to me. I followed the app instructions to regain access but cashapp has not contacted me. I keep getting automated email saying they will contact me in 24 hrs but I never recieve any communication & my account is still locked. I don't know why it was locked but I need to regain access to my own money so I can remove it for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi credit card debt collectors called my sister, who is not an authorized user in my account, or has anything to do with my debt. They disclosed the amount of debt that I owe and tried to bargain with her by saying that i will be up to date, if I make a certain payment amount. This is a violation of the Fair Debt Collection Practices Act to disclose my debt to an un authorized person. This occurred on Tuesday  XX/XX/2019 at 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 2019-08-14 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: MoneyLion Inc.
State: IL

Complaint narrative:
On XX/XX/2019 I want to end my membership with the Moneylion app. I had to pay remaining balance of a loan of {$500.00} in which I had XXXX left. I paid the balance in full. The money was never withdraw from my account and when I contacted their loan department they stated I had insufficient funds. I checked my account thats linked to the app and that wasnt the case. I continue to use the app until I receive a notice of them add more charges to each account for investors. I then attempted to payout loan on XX/XX/2019 the day after Im paid and they stated again insufficient funds available. I then realize that they were try to keep me lock in using the app to prevent me from paying loan off and hold my {$830.00} investment holdings. They no longer answer phone nor do you receive hold call back from agents being on other calls. The support emails can not be responsive due to auto generated close ticket numbers given.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a citi double cash card the beginning of XXXX and still have not received. They keep telling me they will resend a replacement card and still have not received it. They have told me that they have sent it out 3 times but yet still have not gotten the card. I have called to complain but they still havent resolved it. They wont overnight me the card. Its getting absurd at this point. I have never had so much grief for opening a credit card.

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 2019-08-14 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: NH

Complaint narrative:
I have tried numerous times to have erroneous accounts from XXXX XXXX XXXX for XXXX dollars, from my account. I have disputed this account with every other credit reporting agency, and every other agency has removed this account from the report. I have stated time, and time again that I have no knowledge of this account ; never received communication from this account ; and have no idea where this {$120.00} amount came from. Each time I submit a dispute, Equifax comes back and says " this account has been validated to belong to you ''. Furthermore, when I try and log into the dispute results, I get error messages saying they need more information to verify me. Yet when I call the number, I can't get through. With everything this company has put people through, I find it completely disgusting that they refuse to remove an erroneous account, when every other credit reporting agency has done so. I want this account removed and I want explanation from Equifax as to why it's so difficult to get any resolution from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
I received a call on XX/XX/19 at XXXX from Nationwide Recovery Services . They attempted to collect personal information such as mailing address, but they never identified themselves as a Debt Collector or that the call was in an attempt to collect a debt. Ms. XXXX the representative on the phone said that she was going to log my refusal, but I was refusing to give any information as I did not know the reason for the call or the company she was representing. I had to get that information through calling back the number received. I am not aware of any outstanding debt. 

By failing to identify themselves as a debt collector and that the call was in relation to a debt and that the call was an attempt to collect a debt, I feel this is a violation of the Fair Debt Collection Act. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
CONVERGENT OUTSOURCING, INC. continues to try to collect on two accounts that were discharged under my Chapter XXXX bankruptcy. The credit bureaus continue to remove these debts and somehow CONVERGENT OUTSOURCING, INC. is able to report them again. I have had to contact the credit bureaus on 4 separate occasions to remove these debts. Further, CONVERGENT OUTSOURCING, INC. continues to attempt to call me, including calling my place of business, as well as sending weekly letters to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: AL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX and 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