vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 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:
XXXX is reporting a negative balance that I do no not have for {$74.00}. I have included a dispute ; letter detailing.

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 2022-03-09 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: TX

Complaint narrative:
XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security

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 2022-03-09 00:00:00
Product: Credit card or prepaid card — Store credit 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: MD

Complaint narrative:
On or around XX/XX/2022, I attempted to place an order with Home Depot and take advantage of financing offer up to 24 month of financing on purchases over {$290.00}.

First said website would not take order my Home Depot credit card kept declining purchase although the account was in good standing with available balance.

Home Depot resolution department got involved with placing order promised at exact delivery date and further adjustment if product was not delivered in time.

Not only was the product not delivered in time but sent out wrong merchandise and billing is incorrect. Home then separated each item ( 51 ) in total into several orders making billing verification and payments impossible to apply correctly and timely to avoid financing charges.

I attempted to reach Executive Office several times about this issue and was told they refuse to get involved. I find the billing and financing option a deceptive business practice and asked you investigate this as an official complaint.

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 2022-03-09 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: DISCOVER BANK
State: TN

Complaint narrative:
On XXXX, I disputed a XXXX charge for {$340.00}. On XXXX, I received a letter from Discover saying they found in my favor. Then on XXXX they changed their mind after I submitted proof of return with a receipt. Discover claims I never contacted XXXX about any of this. I have emails dated XX/XX/2021 about receiving the wrong merchandise, I have a time date XXXX receipt for XXXX at XXXX, I have XXXX phone records. My question is do I need to sue Discover or XXXX or both to get my money back? I want to subpoena the store security video on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: FL

Complaint narrative:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Armed Forces Loans of Nevada Inc.
State: NC

Complaint narrative:
I have been actively disputing an account with Armed Forces Loans for quite some time now. I recently began cleaning up my credit and notice, AFL was still reporting inaccurate information to all three credit bureaus. I requested a verification of debt because I was uncertain the debt even belonged to me with such conflicting information. Recent disputes began in XXXX XXXX. On several occasions via filed disputes, XXXX, XXXX, XXXX and AFL verified the inaccurate data using XXXX and continued to report across all three bureaus. Data provided, did not coincide with data provided through the debt verification. If all three bureaus were receiving different information, this would be impossible. Over the years and especially in the last few months, this willful non-compliance of the FCRA is a violation of my rights. Previous credit reports show AFL was reporting inaccurate data such as high balance, payment amount due, date account was open, date of last payment, amount past due etc. After filing a complaint with the XXXX, AFL updated my credit file as of XX/XX/XXXX, closing the account rather than deleting it, and again with inaccurate data. XXXX is reporting Highest Balance as {$0.00}, 88 % left to pay on loan and XX/XX/XXXX days late as XX/XX/XXXX, other files show {$4000.00} with 67 % left and XX/XX/XXXX days late as XXXX. Instead of correcting the data, AFL chooses to harm my credit file with XXXX, XXXX, and XXXX assisting by continously validating inaccurate data. Please remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Oklahoma Student Loan Authority
State: MA

Complaint narrative:
The OSLA site where I pay my student loans went down last week. I don't know where to pay my loans, or how to get my loan records. When I called, they promised to send me information via email that they didn't do. They ask for my full SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: MS

Complaint narrative:
I am XXXX XXXX a consumer and natural living person submitting this complaint and there is no third party involved. I have been violated and Experian committed fraud on my consumer report. I did not consent, benefit, nor authorize the fraudulent account XXXX XXXX  on my consumer report. Experian continues to report the fraudulent account XXXX XXXX  on my consumer report. XX/XX/XXXX, I asked Experian to block, delete, and stop reporting the fraudulent account information but they did not block and delete the account. Experian instead said that the information/account is accurate. I then wrote Experian a letter sent via certified mail with green return receipt which Experian received on XX/XX/XXXX, demanding Experian to show me verifiable proof in form of original contract that have my signature on it for the fraudulent account or a certification from the creditor that certified the accuracy and completeness of the information they deemed was accurate. I have NOT received that requested information yet from Experian it's been thirty 30 days so the account should be deleted immediately. I also requested the description of the procedure ( s ) that was taken by Experian to determine the accuracy and completeness of the information I have NOT received that information as well. Experian do not have reasonable procedures in place that is fair to consumers to verify and assure information that they are reporting have the maximum possible accuracy that is required by Fair Credit Reporting Act. As a result of Experian decision to continue to report this fraudulent inaccurate information/account I am losing confidence in the banking system. I demand EXPERIAN DELETE 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 2022-03-09 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: NY

Complaint narrative:
Hi, my name is XXXX XXXX XXXX I am having a problem with XXXX bank posting a debt on my credit report that doesn't belong to me. I had my identity compromised on the dark web back in 2017 where there was a breach and due to this breach this account was opened up under my name in which I didn't find out about it until it was too late. I will provide the documentation below and the FTC complaint # 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 2022-03-09 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: PR

Complaint narrative:
Never pay late, and they show a late payment on 30 days in TransUnion in XX/XX/2022, in XXXX in XX/XX/2022, in XXXX in XX/XX/2022. I have the evidence I send it. And the sell and closed the account is a violation to report late payment in a closed 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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Never pay late, and they show a late payment on 30 days in XXXX in XX/XX/2022, in Equifax in XX/XX/2022, in XXXX in XX/XX/2022. I have the evidence I send it. And the sell and closed the account is a violation to report late payment in a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: PR

Complaint narrative:
Never pay late, and they show a late payment on 30 days in XXXX in XX/XX/2022, in XXXX in XX/XX/2022, in Experian in XX/XX/2022. I have the evidence I send it. And the sell and closed the account is a violation to report late payment in a closed 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 explanation
Consumer complaint received 2022-03-09 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: AR

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: FL

Complaint narrative:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXXE XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX MOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/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 2022-03-09 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: CA

Complaint narrative:
XXXX is reporting a negative balance that I do no not have for {$74.00}. I have included a dispute ; letter detailing.

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 2022-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: FL

Complaint narrative:
On XX/XX/2022 I received phone calls from XXXXXXXX XXXX ( XXXX ) XXXX on my tel # 's ( XXXX ) XXXX, ( XXXX ) XXXX as well as them calling my sister. They left messages on all three numbers and went into detail when they contacted my sister which is not a number that I ever provided to anyone for establishing credit. I do not owe a balance and feel that this is a scam. This company use tactics clearly in violation of the fair credit act. I have advised them to cease & desist from calling any number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I received a payroll check ( {$620.00} ) from my place of employment on XX/XX/2022. I deposited the check that evening using the Chase app. The check has since been placed on hold, and my checking account locked, locking me out of {$1100.00} plus the check amount. The payments I have made on bills since the second have been revoked, causing my bills to now be overdue. 
I called in to Chase, waiting over an hour to speak to anyone, and finally they told me it was due to not being able to verify information with the paying bank. Their excuse was not having a verified phone number of the issuer of the check. The paying bank, which has already taken the money out of my company 's account and verified all information, has stated that the phone number of my company I provided to Chase is a verified number. Chase refuses to accept it, and has now threatened to close my account and mark the check as a bad check. They already have the money. They have the information they need. This is not my responsibility to validate information for other banks, nor is it my punishment to bear for simply trying to cash a check for hours I worked. Chase is acting with hostility and lack of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-09 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: NY

Complaint narrative:
I have a number of inquiries on my credit report that were not authorized by 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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reached out stating that my account history should be exceptional as it is reported as on my XXXX  as such. There has nothing been updated to reflect that to match my XXXX  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I had tried to open an account on coinbase over 2 years ago ( approx XX/XX/2020 ) over the XXXX holiday. I spent many days trying to " sign up ''. In summary, I was completely frustrated and never got any support whatsoever. I went through the steps ( Pictures from my phone etc ) to authenticate myself multiple times and I believe I have {$50.00} in a wallet. There was never a reply from support, no way to get to the wallet ; no reply from Coinbase other than emails describing an attempt to log in and it never happens ( never any success ). There is no need for this type of treatment as a customer and WHY am I receiving more emails from Coinbase just to frustrate me further? I have filed a complaint with XXXX but it shows they have an " XXXX '' grade so not expecting any follow-up there. The person at XXXX  XXXX XXXX : XXXX XXXX Dispute Resolution XXXX XXXX XXXXerving the XXXX XXXX XXXX XXXX and Northern Coastal California XXXX XXXX referred me to file a complaint with you. 

XXXX, I've sent multiple letters to the CEO without any reply. I mailed the letters from mail-a-letter.com

Company response to consumer: Closed with explanation