vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-16 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: NY

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX, with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.

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 2022-02-16 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: NY

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX, with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2021. I checked my account and noticed XXXX was in my XXXX XXXX account that was joined I immediately transferred XXXX to my checking and locked my card because that's all I was able to savage at that moment. I checked my savings account and it was depleted to XXXX cents.I called the bank in a XXXX. Me and my XXXX rushed to the bank and found out that all of my savings was withdrawn XX/XX/XXXX, XXXXunathorized and XXXX was XXXX  to a unknown person account at XXXX XXXX XXXX XXXX also unauthorized. We made the report at the bank that day and I we was very confused to find out fraud was still going on because the bank never closed the account XX/XX/XXXX. When we reported the fraudulent activity so the perpetrator was still committing fraud with XXXX  and XXXX XXXX I went back to the back to the bank finally close our accounts XX/XX/2021. I made several reports to get my money back but was not successful. My claims was denied four times for the XXXX dollars that was XXXX. The bank stated after reviewing all relevant internal records and information that I provided, they have concluded that there are elements of my claim that lack credibility and they believe that the transactions that compromised my claim must be considered authorized and they are unable to honor it. I made another report and another report proclaiming that all transactions that I reported was unauthorized and fraudulent but the bank continues to deny my claims. Please help me this was my money that I took out of my XXXX to buy a house so I would like all my money back thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CNG FINANCIAL CORPORATION
State: MO

Complaint narrative:
I'm not swayed that XXXX and XXXX XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX XXXX are reporting inaccurate information on CHECKNGO/AXF with account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I was the result of identity thief about 8-9 years ago and this debt collector refuses to listen to anything that I am saying. They keep sending bills of statements I have no knowledge of. My identity was stolen and it took many years to correct things. These account are fraud. This company has harassed me for the last 6 years. I got this company removed from a few bureaus but on XXXX they wont remove it. I am a victim and I refuse to pay for someone elses wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Reach Financial LLC
State: PA

Complaint narrative:
What Happened- I took advantage of an offer from XXXX for debt consolidation. I applied and was matched with Liberty Lending. On XX/XX/2022, I was sent an email that stated that my load had been approved and this was the final review. I have this email, both saved and printed out. On Tuesday XX/XX/2022, I received a voice mail from Liberty Lending asking me to call back in because they had an update on my loan. I called back in and was told that my loan was being denied, but Liberty Lending has this awesome partner agency, that could help me and if I would like Liberty Lending could put me in touch with them. I thanked the representative for their time. 

I called back and asked for an adverse action letter, and to make sure that I would not be charged the {$440.00} payment due to come out on XX/XX/2022 printed on the XXXX statement. I was unable to get a straight answer and I was refused an adverse action letter. It appears that Liberty Lendings original offer was not genuine and that my application was always meant for this partner agency which was not mentioned in the XXXX statement. I feel that I am the victim of bait and switch. 

I also reached out to Liberty Lending via email to state my displeasure. 

I just checked the website today XXXX and their dash board is set up like I am receiving this loan. This is after I was told that I was denied. 



Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC
State: IN

Complaint narrative:
A company called Receivable Management services LLC is calling me and has sent me a statement for collection of debt which is not mine. I notified them via certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX ) and told them this is not my debt. This morning I have been receiving calls from this company. They have disregarding the the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq law which allows a consumer to challenge a debt by showing proof that this debt is actually mine. The debt is from XXXX XXXX XXXX account # XXXX which I have not purchased anything from. I do not have any XXXX credit cards nor have I bought anything from XXXX. Secondly, XXXX XXXX XXXX has actually been sold to another company called Transform because XXXX actually is in an active bankruptcy ( Case number : XXXX - XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX If this debt was actually valid, a company appointed by the XXXX XXXX ( receivership ) would be the party collecting any debts owed to XXXX on behalf of the XXXX XXXX. Clearly RMS is not involved with this matter and is trying to collect monies that are not owed. RMS is trying to collect {$1800.00} for something I have not bought or been extended credit for. I have not been provided anything to support RMS is entitled to anything but violating the Fair Debt Collection Practices Act. RMS has clearly not followed the Federal law in which I am entitled to as well as the practiced mentioned in the attachment from the Indiana Attorney General 's office.

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 2022-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
On XXXX XXXX I received a messaged from Coinbase Dept. that someone tried to access my account to a diff. loc. I called them to lock my acct. I spoke to XXXX and told her what's happening and I was told it was already locked. And she asked me the account balance in my account and I told her {$13000.00} and she verified that amount. She said I needed to wait 24-48 hours to activate my account. So XXXX XXXX I called Coinbase again and talked to XXXX and I told him what happened and I need to retrieve my account so she assisted me to do it. He asked me to download my ID I was hesitant to do it but I can't get thru the process without downloading and taking a picture of myself on the spot thru my phone. After all those things I was told to give it a 48 hrs. before assessing my account. XXXX XXXX First time I accessed my account after what happened and I was surprised the balanced was only {$6000.00} instead of XXXX. Called my Coinbase support called XXXX but was cut off in the mid of conversations. Called again and talked to XXXX and he said he'll transfer me to someone who can see my account. I was transferred to XXXX XXXX and I told him the whole story and he told me he will transfer it to Safety Dept so they will escalate the process and rest assured that they are going to work with my case and will be refunding. But up to now they don't give me an update I e-mailed him since he told me to communicate with them thru mail. I called them but they all just give me a runaround. I filed a police report. I already sent them a certified mail but until now I don't receive any response. I can't withdraw the remaining balance since they said before they restricted any movement on the account. I want my remaining balance back because I don't trust this company anymore. I have all the supporting papers if you need me to upload it. Please I need your assistance. 

Thank You so much in advanced, XXXX XXXX Coinbase XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-16 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:
There is an account from XXXX XXXX/ XXXX  account number XXXX which is on my credit report and does not belong to me. I have tried to dispute with the credit bureaus but am not able to dispute online with XXXX due to security reasons. XXXX document upload would not allow me to upload documentation. 
The credit bureaus have made it very difficult to correct errors on my report due to technical difficulties with their websites. 

I need to dispute this account as it does not belong to me. I contacted the collection agency responsible and they sent me a notification this would be corrected and I need to ensure it is corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16 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: CA

Complaint narrative:
There is an account from XXXX XXXX/ XXXX  account number XXXX which is on my credit report and does not belong to me. I have tried to dispute with the credit bureaus but am not able to dispute online with XXXX due to security reasons. Equifax document upload would not allow me to upload documentation. 
The credit bureaus have made it very difficult to correct errors on my report due to technical difficulties with their websites. 

I need to dispute this account as it does not belong to me. I contacted the collection agency responsible and they sent me a notification this would be corrected and I need to ensure it is corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a {$1500.00} check for a second-hand goods, after I deposited the check in the Bank of America which is located in XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Later I don't want to sell the goods for some reason. After 20 minutes, I went back to the bank. I told the bank employee standing at the front desk to cancel the check, but he told me that the check can't be cancelled due to it's scanned. I asked him if it means I got the money once the check is deposited to my account. I double checked with him if there is any risk for me to lose the money. He said you are covered and you got the money since the check can not be reversed now. He failed to explain to me there could be an empty check. 
So until the next day, on XX/XX/XXXX, I found the money of check is posted to my account, I believe it's safe because I have double confirmed with the bank employee. The buyer provided the XXXX account to me, so I return {$900.00} and {$600.00} to XXXX via XXXX  transfer. 

On XX/XX/XXXX, I found the bank charged me {$1500.00}, they explained that they didn't get money from XXXX XXXX because the previous check is empty. I am astonished that the employee ever told me that my money is safe if the money of check is posted on my account. 

Without the bank employee 's confirmation, I would never have XXXX  transfer the refunded amount.I planned to return the check to the buyer.But I trusted the bank employee that it's my money when the check money is posted on my account. 

And if the check is empty, why the money is posted on my account the next day. 

So it caused me {$1500.00} money loss because the bank delivered the wrong information. I have to ask your help to get my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-16 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: CA

Complaint narrative:
In early XXXX I moved out of three palms apartments and paid my move out fees with a cashiers check. Due to bad record keeping they did not update the account. 

In XX/XX/XXXX I received a notice, from XXXX stating that I did not pay the debt. 

I contested this debt with Experian, XXXX and XXXX who all determined it was invalid. 

XX/XX/XXXX. I apply for an apartment and I am denied because this is on my " Experian Rent Bureau Report. '' I challenged it with Experian Rent Bureau who said they will not remove it because XXXX claims they did not receive payment. I asked their customer service agent about the proof i submitted and they stated that they only forward it to the reporting agency. Even with proof Experian Rent Bureau does not remove incorrect or 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 non-monetary relief
Consumer complaint received 2022-02-16 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau, the date of the last letter was on XX/XX/XXXX and still got nothing from them. That means EXPERIAN has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$120000.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$450.00} - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance Owed : {$3500.00} - XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} - XXXXXXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$750.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00}-

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 explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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