vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: American Credit Acceptance, LLC
State: AL

Complaint narrative:
My car was paid off in XXXX/XXXX/22. I was told my credit report would be updated by the end of the month. This company has continually failed to accurately report the status of my account. This account has been paid in full and should be reflected on all the credit bureau reports immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: AL

Complaint narrative:
My car was paid off in XXXX/XXXX/22. I was told my credit report would be updated by the end of the month. This company has continually failed to accurately report the status of my account. This account has been paid in full and should be reflected on all the credit bureau reports 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 explanation
Consumer complaint received 2022-03-14 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: AL

Complaint narrative:
My car was paid off in XXXX/XXXX/22. I was told my credit report would be updated by the end of the month. This company has continually failed to accurately report the status of my account. This account has been paid in full and should be reflected on all the credit bureau reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: AL

Complaint narrative:
My car was paid off in XXXX/XXXX/22. I was told my credit report would be updated by the end of the month. This company has continually failed to accurately report the status of my account. This account has been paid in full and should be reflected on all the credit bureau reports 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 explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: KS

Complaint narrative:
In 2020 LexisNexis submitted a report to the Kansas Department Of Labor in response to an application for assistance. LexisNexis gave them a consumer report for me that had an incorrect social security number. As such I was investigated for fraud and never received my funds and due to staffing shortages I am still in the appeals process two years later because of this report. XXXX actually told me this in a recorded call and gave me their information to call. Upon doing so - again on a recorded line I spoke to someone named XXXX who wouldn't process my request for a consumer report but also screamed at me and called me a " XXXX liar and XXXX never told you to call here '' then hung up. So I called back a few times- each time the same person answered and began playing manipulative games with me. To beat him I called their number from my wife 's phone while I still had him on the line and he somehow was still the same person to pick up while still on a different line with me. 
I have sent multiple requests in writing to receive a copy of my consumer report so that I can correct their information and each time they use a different stall tactic. For instance the first time they sent me a letter stating I had not provided an ID with my request ( there wasn't an option ) and to call them. I did so and then receive a blank piece of paper and a paper with a link and pin. Upon doing so it doesn't work. Meanwhile I have also been declined for checking accounts as well as apartments that have used their service. They have an entire other consumers information mixed with mine and have provided that information to agencies that have in turn reported it to my credit report and after hundreds of hours of trying to get this sorted out they stall me at every turn. My life is completely on hold from any level of actual productive results from my efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: EQUIFAX, INC.
State: MD

Complaint narrative:
EMAIL ADDRESS : XXXX MAILING ADDRESS : XXXX XXXXXXXX XXXX., XXXX XXXX, XXXX XXXX XXXX MD, XXXX While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and is also a clear indication that this information was NOT properly verified upon you receiving it. Equifax is reporting inaccurate information regarding my ACCOUNT STATUS with the following accounts ; <ACCOUNT # 1 : XXXX XXXX  # # # # # XXXX : EQUIFAX has the ACCOUNT STATUS as CLOSED ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as OPEN> <ACCOUNT # 2 : XXXX XXXX XXXX XXXXXXXX # # # # # # # # XXXX : EQUIFAX has the ACCOUNT STATUS as OPEN ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as CLOSED.> <ACCOUNT # 3 : XXXX XXXX XXXX XXXX XXXX XXXX : EQUIFAX has the ACCOUNT STATUS as CLOSED ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as OPEN> <ACCOUNT # 4 : XXXX XXXX XXXX XXXX XXXX : EQUIFAX has the ACCOUNT STATUS as OPEN ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as CLOSED.> <ACCOUNT # 5 : XXXX XXXX XXXX XXXX : EQUIFAX has the ACCOUNT STATUS as OPEN ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as CLOSED.> <ACCOUNT # 6 : XXXX XXXX XXXX XXXXXXXX : EQUIFAX has the ACCOUNT STATUS as OPEN ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as CLOSED.> <ACCOUNT # 7 : XXXX XXXX XXXX XXXXXXXX : EQUIFAX has the ACCOUNT STATUS as OPEN ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as CLOSED.> If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
They reverse my overdraft fees than double charged me for the same overdraft fee again the next day

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: KS

Complaint narrative:
I have had multiple issues with Wakefield and Associates. They furnished incorrect information to my credit report. Each time I have attempted to reach out to them to gain insight into the debt and also where they got their information from so that I can dispute what is incorrect I have been met with walls. They reported an account to my credit which I have no knowledge of. When they did so they also reported an incorrect address for me that is now indisputable from my credit. When I spoke to multiple agents at the company to try and inquire about the debt I was told that there was skip tracing run on the account they claim is mine ) but they wouldnt provide the name of that agency so that I could request a report and dispute incorrect information. This happened with multiple agents and I do have the calls recorded. For that account in question they also have completely impossible dates and amounts given to XXXX and XXXX which is why I say I have no knowledge of them. Over the course of XXXX  I sent multiple letters requesting validation of the debt which they claim to not have received. This is due to them refusing to provide me any place to send mail other than their po box and as such I have no way of certifying how received the requests on my behalf. This is a common stall tactic among unethical unscrupulous debt collectors as is all of their previous refusals of my lawful requests.

I spoke with them one last time to try and tell them if they didnt adhere to law I would send them a cease and desist as I have no possible way to work with them in an ethical manner, and on that call also recorded the gentleman told me thats ok well just let it sit and continue damaging your credit and report additional accounts well I still tried my best to get the information out of them I needed such as the address of their registered agent to have them served with my suit as well as the names of the agencies they used in conducting a consumer report about me and an address to receive certified mail given the nature of the circumstances. All requests were declined. Then on XXXX they reported a new account to XXXX, XXXX, and XXXX so they made good on their threat due to the requests I was making. On top of that the account has incorrect information as well as personal information I already disputed to the company directly on a recorded call. 
They violated my rights under law many different ways there and there are too many statutes to cover in this space.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I received multiple emails confirming a account was opened under my information with Bank Of America. I did not apply for an account. Ive contacted the bank and informed them of the issue

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 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Goodmorning, My entire account was access through my stolen phone I had just received my tax refund my account was wiped cleaned within a day down to {$1.00} I contacted USAA and one representative helped me with the debit card part but whoever accessed my account had a way to send a wire to an outside bank which totaled the amount of {$3600.00}. I asked for information about who it was sent to or the bank it was sent to no one could tell me because of some policy but its like if your accusing me of these things I need to know so i can contact the institution myself. I dont trust USAA because I am m not understanding how they could have let something like this happen then treating me like I am a suspect. My phone was stolen so the representative asked me questions to the nature of how can this happen if it says you logged in from your phone ( as i stated and spoke with the previous representative my phone was stolen and with a apple id all your Iclouds are contacted thats the only way that would be possible so she was like there wasn't a password on your phone I'm like no thats my business phone and my property who would think someone is going to steal their personal items. long story short i no longer trusted my funds in the bank account no one offered to help me change my information besides the first representation when I first called to report the incident. They locked my account multiple times after they put the funds back from the wire, I called in so they would know it was me wanting to process to my outside bank for verification purposes which is XXXX bank they canceled my wire after i initiated it, called me and said they are closing my account because they think I'm some part of some fraud scheme which is okay with them closing it which I was going to do also after I got my money out of their possession me being a consumer how could y'all let something like this happen and then treat your customer like their the problem. by the end of the call the man said they will be holding my funds for 60 days because it takes 60 days to close which is a lie because I closed a savings account and it was closed within that same day I need help getting my funds that are owed to me and reporting this bank for misconduct. I feel as though this is a race issue with me being young and an XXXX XXXX  and within 2 months I have deposited over XXXX inside of the account every XXXX XXXX doesn't do fraud but I wont stop here everyone is going to hear this story. That is my child 's money at the end of the day and I wont stop until he get what is owed to him. ( USAA BANK )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: MD

Complaint narrative:
EMAIL ADDRESS : XXXX MAILING ADDRESS : XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX , MD, XXXX While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and is also a clear indication that this information was NOT properly verified upon you receiving it. Equifax is reporting inaccurate information regarding my DATE OPENED with the following accounts ; > <ACCOUNT # 1 : THE BUREAUS # # # # # XXXX : EQUIFAX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XXXX.> <ACCOUNT # 2 : XXXX XXXX XXXX XXXXXXXX # # # # # # # # XXXX : EQUIFAX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XXXX <ACCOUNT # XXXX : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XXXX <ACCOUNT # 4 : XXXX XXXX XXXX XXXX XXXX : EQUIFAX has the DATE OPENED as XX/XX/XXXX XXXX however XXXX has the following info claiming to be accurate, DATE OPENED as XX/XX/XXXX. EQUIFAX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XXXX <ACCOUNT # 5 : XXXX XXXX XXXX XXXX : XXXX XXXX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XXXX <ACCOUNT # 6 XXXX XXXX XXXX XXXX XXXXXXXX : EQUIFAX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XX/XX/XXXX. EQUIFAX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XXXX <ACCOUNT # 7 : XXXX XXXX XXXX XXXXXXXX : EQUIFAX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XX/XX/XXXX. If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: VA

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 2022-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: KS

Complaint narrative:
I have had multiple issues with Wakefield and Associates. They furnished incorrect information to my credit report. Each time I have attempted to reach out to them to gain insight into the debt and also where they got their information from so that I can dispute what is incorrect I have been met with walls. They reported an account to my credit which I have no knowledge of. When they did so they also reported an incorrect address for me that is now indisputable from my credit. When I spoke to multiple agents at the company to try and inquire about the debt I was told that there was skip tracing run on the account they claim is mine ) but they wouldnt provide the name of that agency so that I could request a report and dispute incorrect information. This happened with multiple agents and I do have the calls recorded. For that account in question they also have completely impossible dates and amounts given to XXXX and XXXX which is why I say I have no knowledge of them. Over the course of XXXX I sent multiple letters requesting validation of the debt which they claim to not have received. This is due to them refusing to provide me any place to send mail other than their XXXX XXXX and as such I have no way of certifying how received the requests on my behalf. This is a common stall tactic among unethical unscrupulous debt collectors as is all of their previous refusals of my lawful requests. 
I spoke with them one last time to try and tell them if they didnt adhere to law I would send them a cease and desist as I have no possible way to work with them in an ethical manner, and on that call also recorded the gentleman told me thats ok well just let it sit and continue damaging your credit and report additional accounts well I still tried my best to get the information out of them I needed such as the address of their registered agent to have them served with my suit as well as the names of the agencies they used in conducting a consumer report about me and an address to receive certified mail given the nature of the circumstances. All requests were declined. Then on XXXX they reported a new account to XXXX, XXXX, and XXXX so they made good on their threat due to the requests I was making. On top of that the account has incorrect information as well as personal information I already disputed to the company directly on a recorded call. 
They violated my rights under law many different ways there and there are too many statutes to cover in this space.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: TX

Complaint narrative:
I have some unauthorized inquiries on my credit reports. These inquiries are on XXXX, XXXX and Equifax. I sent in disputing the inquiries over 30 days ago. I found out my name, social security number, drivers license and email address was found on the dark web by the credit monitoring company I use. So on Saturday XX/XX/2022 I went and made a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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 have various inquiries on my credit report transunion and XXXX as well as false personal information that Ive tried to have removed because I did not allow it nor did I apply for it

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 2022-03-14 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: CA

Complaint narrative:
There are fraudulent accounts still reporting to my credit report. Some have been removed already but the following accounts reporting are fraud. Accounts XXXX XXXX Opened XX/XX/XXXX Amount {$16000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Amount {$22000.00}. These been reported multiple times and proof of fraud have been submitted I've reached out to both banks via email and they both replied and emailed my agreeing those account do not belong to me

Company response to consumer: Closed with explanation