vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-26 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: IN

Complaint narrative:
I co-signed on a vehicle. During the last week of XX/XX/XXXX I was notified that there were 3 missed payments on the account. Once I heard there were 3 missed payments I went into XXXX and submitted a payment on XX/XX/XXXX for the 3 missed payments plus XXXX 's payment in the amount of {$1200.00}. The monthly payment amount is {$300.00}. 

Payments following have been made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. XXXX is reporting the account as not current/missed payments for every month since XX/XX/XXXX. This has dropped my credit score by nearly XXXX points and they will do nothing to report this information correctly. I am not question 3 payments were missed by the party I co-signed for but I have email from a representative from XXXX stating the account is now current and that they would only report 2 missed payments on my credit report which they have not done. XXXX is showing 8 missed/late payments on my credit report and that the account is not current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: IN

Complaint narrative:
I co-signed on a vehicle. During the last week of XX/XX/XXXX I was notified that there were 3 missed payments on the account. Once I heard there were 3 missed payments I went into XXXX and submitted a payment on XX/XX/XXXX for the 3 missed payments plus XXXX 's payment in the amount of {$1200.00}. The monthly payment amount is {$300.00}. 

Payments following have been made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. XXXX is reporting the account as not current/missed payments for every month since XX/XX/XXXX. This has dropped my credit score by nearly XXXX points and they will do nothing to report this information correctly. I am not question 3 payments were missed by the party I co-signed for but I have email from a representative from XXXX stating the account is now current and that they would only report 2 missed payments on my credit report which they have not done. XXXX is showing 8 missed/late payments on my credit report and that the account is not current.

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 2022-09-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
Online Information Services ( collection agency ) and the original creditors, XXXX XXXX XXXX  ( XXXX XXXX XXXX ) is reporting inaccurate credit information. I have sent out several letters requesting an itemized summary of an Eviction Charge of {$1000.00} that is listed on the Household Moveout Accounting Activity Report. This document was first mailed to me XX/XX/XXXX after I moved from the apartment on XX/XX/XXXX. Another Household Moveout Report was mailed to me XX/XX/XXXX after disputing the eviction charge, late fee charge, carpet stain removal charge, and the owed rent amount. As a result the rent amount was reduced and the tile/floor stripped/waxed fee was removed. I am requesting an explanation as to how the company came up with an eviction charge of {$1000.00}. I was included in a lawsuit that was filed against XXXX XXXX XXXX XXXX XXXX XXXX ) and several other landlords across North Carolina. They were accused of charging tenants illegal eviction-related fees simply for filing an eviction complaint. As a result on XX/XX/XXXX I was awarded a settlement payment as an approved claimant in the court- approved class action settlement Wright v. Palmer Green/Duggins , LLC , in the General Court of Justice , Superior Court Division XXXX XXXX XXXX, North Carolina, Case No. 20-CVS-487. I believe the eviction charge is incorrect and may be even illegal charges filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
A stranger XXXX from XXXX XXXX, looking for a rental house in XXXX, She got my contact information from XXXX. I posted a rental unit 2 years ago. She introduce me to invest money on XXXX XXXX and give tips to trade, get the profits. But each withdrawals we're rejected by the XXXX XXXX and the reasons including wind control, Tax and inside trade ect. The XXXX XXXX  only has the customer service department i can reach. They have XXXX XXXX and XXXX XXXX. I have all IPs of them. XXXX XXXX  said their address is XXXX XXXX XXXX in New York. But Don't know which unit number. I keep all the conversation with them. They said they have registered in US government but don't mention under which supervise department. I keep all the proofs transaction on the platform. XXXX XXXX and XXXX are their platform login website. After i paid by wired transfer for Tax and they said i join the inside trade and have to pay a fine usdt {$120000.00} to release all my funds back before coming Wednesday. I am painful and unhelpful Now. Totally i wired transfer more than XXXX in the platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-26 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:
Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please Update the following accts as the balance are wrong. Some of these have not been updated since XX/XX/2022. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.

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 2022-09-26 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-26 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: DC

Complaint narrative:
I reached out to XXXX XXXX, Account # XXXX {$4000.00} at ( XXXX ) XXXX To verify the account and spoke to the representative XXXX ID XXXX and was told by her they don't have this account under my name and nothing showing in the system. 
This account is closet with amount that preventing me from my right of purchasing my home for my family its creating a problem for me I don't understand if they don't have this account under my name why they reported to the credit bureau it giving me bad credit and it against the laws. I need this account to be deleted all the credit report bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: DC

Complaint narrative:
I reached out to XXXX XXXX, Account # XXXX {$4000.00} at ( XXXX ) XXXX To verify the account and spoke to the representative XXXX ID XXXX and was told by her they don't have this account under my name and nothing showing in the system. 
This account is closet with amount that preventing me from my right of purchasing my home for my family its creating a problem for me I don't understand if they don't have this account under my name why they reported to the credit bureau it giving me bad credit and it against the laws. I need this account to be deleted all the credit report bureaus.

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 2022-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma, LLC
State: PA

Complaint narrative:
On XX/XX/2022 I received an email from Credit Karma Member Support that my XXXX  account was locked for a direct deposit made on XX/XX/2022. In the amount of {$390.00}. I started the direct deposit several months ago with no emails asking for ID or anything. The regular pay is XXXX, and Holiday and Overtime pay is more. 

Called Credit Karma Customer Services ( XXXX ) and was told that the matter will only be handled by emails. Replied to emails requesting that I receive a telephone call in this matter. Emails stating that my issue has been escalated with our higher level of support. Still no telephone calls. 

I opened this account with no ID, and have my direct deposits to this account with no ID. Now they wanted an ID. When this payment was first made they didn't lock my account, email me just accepted the payment. 

I used some strong words for them to respond to my emails. Because this is the second time they are messing with my account and it is costing me money. I had a payment for my insurance premiums to this account and had the money in the account. They stated that they were doing maintenance on the account at the time which made insufficient funds available. Was charged by my Insurance company a penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I sent over XXXX to a woman in another country for a product i didnt receive. When I complained to my bank I was not notified of any changes to my claim. I submitted a claim XX/XX/11 and havent been contacted since. When I called today I was told that My claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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:
Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please Update the following accts as the balance are wrong. Some of these have not been updated since XX/XX/2022. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.

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 2022-09-26 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:
Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please Update the following accts as the balance are wrong. Some of these have not been updated since XX/XX/2022. XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX. These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My my credit has gone up over 90 points and from a XXXX to a XXXX and I still can't receive a loan I still have the same problems and also they're still the credit reporting agencies are still making it hard for me to get access to my credit file there's something going on with my credit file you have made all these loan companies essential hard for me to get a loan or any kind of assistance. One place says I have fair credit the other says it's poor

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 2022-09-26 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: GA

Complaint narrative:
Fair Credit & XXXX  has been reporting a fraudulent account on my Equifax after XXXX and XXXX have deemed the account fraudulent. I have filed a police report and reported this company to the FTC numerous times as fraudulent. This company claims I owe them $ XXXX for an apartment in XXXX, Atlanta. I been paying a mortgage since XX/XX/2020 until now in XXXX, GA. No way have I or would I live in the crime infested part of XXXX XXXX Also XXXX is full of fraudulent activity. This account does not belong to me. All my accounts are in good standing and I intend to keep them that way. I take my credit very seriously and pay all my owed debts. The company has been sent a letter along with the same police report I gave to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened my account with Wellsfargo on XX/XX/XXXX, with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX branch. 
On that day they wjere unable to enroll me in online banking, so I was requested to come back next day. Next day they had the same issue ( all the week ). After that I send and email to XXXX and I was requested to go again to the branch ( is not possible because Im not in the US right now until 2023 ). 
I need to have my credentials to use the online banking, or instructions to enroll.

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 2022-09-26 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: SC

Complaint narrative:
I have sent emails to XXXX, Equifax, and XXXX on XX/XX/22 and XX/XX/22 asking for the payment history and bank statements on the following accounts to verify there late payments. I am sure I have never been late in making these payments. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: SC

Complaint narrative:
I have sent emails to XXXX, XXXX, and Experian on XX/XX/22 and XX/XX/22 asking for the payment history and bank statements on the following accounts to verify there late payments. I am sure I have never been late in making these payments. 


XXXX XXXXXXXX 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 2022-09-26 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: VA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I had a client send money to a non-business account. Via PayPal. Because of the high fees I get with my business account. ( Really wish I wouldnt have done that though! ) At first I couldnt transfer the funds. It wouldnt allow it. I call them and they said because it was an old account, but they refreshed it. A few days go by and I try logging into the account. And there is no account. It is gone. At first they were saying it doesnt exist then finally I got ahold of someone who told me the account has been closed. 

I didnt close the account. 
Then they tell me the {$2100.00} was transferred to a bank account. I have no knowledge of this account. 
A week ago they submitted a dispute. I just got told it has been denied. 

I need help getting this money back. 
It has put me in a really bad spot financially. And PayPal really needs looked into. 
How can an account that I havent used in forever do this? This is crazy.

Company response to consumer: Closed with explanation