vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit report shows 7 late payments but the information is not consistent across all XXXX XXXX and Transunion which is causing me to not get approved for a home loan. XXXX told me that there is nothing they can do and I am just screwed and I have disputed multiple times including with the credit agencies. Please help me get all these late payments removed as they are not correct. All my forbearances were to be back dated and were not done. I disputed it and they told me per the FCRA they have to repot accurate information and clearly they do not bc I provided proof! I have also attached the incorrect reporting proof that isnt consistent!

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 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My credit report shows 7 late payments but the information is not consistent across all XXXX, Equifax and XXXX which is causing me to not get approved for a home loan. XXXX told me that there is nothing they can do and I am just screwed and I have disputed multiple times including with the credit agencies. Please help me get all these late payments removed as they are not correct. All my forbearances were to be back dated and were not done. I disputed it and they told me per the FCRA they have to repot accurate information and clearly they do not bc I provided proof! I have also attached the incorrect reporting proof that isnt consistent!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed two inaccurate accounts with Experian that they are reporting and they have failed to do a proper investigation! The following 2 accounts are inaccurate and one is over 7 years from the first date of delinquency which is a FCRA violation! Also under Sec 1681 ( b ) under exclusions they are in violation for reporting this information! 

1. XXXX XXXX - XXXX 2. XXXX XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have made several attempts to communicate with your Offices. In Exhibit B you will find copies of my certified mail receipts. 

The account listed in Exhibit E is inaccurate, not timely, and carries no documented evidence of its existence. To the least, it has not been authenticated as per my requirements as you are damaging my character, creditworthiness, and wellbeing by falsely reporting this non-compliant unverifiable account on my credit report. 

I have attached undeniable proof that you are in violation of the FCRA by reporting false and inaccurate information concerning the account listed in Exhibit E. 

I have attached a print-out of my XXXX XXXX Statement dated XXXX, XXXX XXXX. CST. This statement shows the correct balance and payment information Exhibit C. 

On XXXX, I filed a complaint # XXXX with the CFPB for failure to provide certified proof that the account was valid and accurate. In Exhibit D you will find a copy of the CFPB Complaint. 

Credit Reporting Agencies have a duty to verify the information as 100 accurate. The FCRA also states that the consumer can demand that the credit bureau provide certified proof that the information that they publish or provide is in fact 100 timely and accurate. 

Credit Reporting Agencies can not simply say that the information was certified. You must also produce said certification when I consumer asks for it, which is their right under the FCRA. 

The evidence that I have attached proves that you did not conduct independent investigations of my dispute because the balance and payment amounts are and have been incorrect, inaccurate, and not timely. ( Copied from attached Affidavit ) ****

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 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My credit report shows 7 late payments but the information is not consistent across all Experian, XXXX  and XXXX which is causing me to not get approved for a home loan. XXXX told me that there is nothing they can do and I am just screwed and I have disputed multiple times including with the credit agencies. Please help me get all these late payments removed as they are not correct. All my forbearances were to be back dated and were not done. I disputed it and they told me per the FCRA they have to repot accurate information and clearly they do not bc I provided proof! I have also attached the incorrect reporting proof that isnt consistent!

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 2021-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
American Express made me an offer for a personal loan but there was an issue with their website sending me an email needed to authenticate myself. After several calls they authenticated me and said to look for the email to accept the offer. They sent email on Thursday but I missed it until Saturday morning at which time the offer was expired and voided. 

American Express said I had to wait for another offer. They couldnt help resolve this and withdrew the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
In XX/XX/2019, someone accessed my Bank of America checking account using a built in app called XXXX. I was not even aware of this function of my mobile app at the time. When this happened I was on a cruise in the XXXX XXXX XXXX when someone, I have no idea who or how, removed {$5000.00} from my account in approx 4-5 transactions using this XXXX app connected to my Bank of America app. I went in to the bank and filled out all the paperwork for the investigation only to be told after about 15 - 20 days they could do nothing about it. This money was never returned to me. I have since closed this account for obvious reasons.

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 2021-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
I filed a dispute on XXXX to NetSpend for charges that were made in la the same day I brought the remind you I stay and brought the card in XXXX Recently I had a XXXX and just got out the hospital I went to activate the the card they send u to d find out money has been taken from my account told NetSpend all of a sudden my card is closed never gave me a notice of account closure they say it's due to unusual transactions but I haven't used the card there is no transaction

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 2021-08-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: MS

Complaint narrative:
I spoke to Conns they said they was giving me a good deal on my account and if I paid a few XXXX my account Would show current they would say one thing and do another or debit on the wrong day or get the money from the wrong account the employees did not know how to fix an account when they would promise one thing and do another Conns would call more than. 6 times a day saying one thing and do another when you believe it was resolved the phone calls would happen again billing for wrong amounts or wrong info causing the customer to default on account giving false info to get a payment knowing it would not make the account current only to call back with a different amount a few days later conns would use deceptive tactics to deceive the customer knowing the account was never corrected as promised

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a complaint more than 60 days ago, I still haven't heard anything about the investigation. Items need to be deleted, 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 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Klarna AB
State: FL

Complaint narrative:
KLARNA/XXXX put inquiry on my report without my authorization. Even after contacted the company the inquiry still on my report. This is my second complaint about this unlawful action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX put inquiry on my report without my authorization. Even after contacted the company the inquiry still on my report. This is my second complaint about this unlawful action.

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 2021-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Friday, XX/XX/2021 Dear CFPB : This correspondence is in regards to my filing a complaint against PNC. PNC has revoked my online banking access and frozen my money to both of my PNC checking accounts without warning or reason. This has happened today, Friday, XX/XX/2021. 
I learn about the freeze when around XXXX EDT I tried ordering on XXXX. Its system says that my debit card was declined. I tried my other PNC debit card and the XXXX system produced the same result. 
I XXXX PNC Bank Help 3 times. I also left two XXXX direct messages. In addition, I called the XXXX number and was placed on a 1-hour hold TWICE! It took PNC two hours to reply to me via XXXX. 
Now the games began again. I promptly responded to PNCs direct message request only for the customer service representative to be non-responsive. I submitted screenshots of my online banking account revocation and my 1-hour hold phone log. PNC still as of XXXX EDT still is revoking my account without any reason. 
My Remedies I demand that all of my PNC bank accounts be restored Online banking access and debit card access restored All money in both PNC checking accounts restoredwithout XXXX XXXX missing My ability to dispute any funny charges on my account since PNC did not notify me of anything. I register for account alerts. It is myunderstanding that today, XX/XX/2021, I did not receive my alerts. 
A proper investigation and explanation into what happened to my account. 
The CFPB can contact me at either my email or my phone numbers. My email is XXXX. My cell is XXXX. My other phone is XXXX. Please help me. I have been suffering for 4 hours and PNC still is freezing my accounts for NO reason! Thanks. 

Sincerely, XXXX XXXX Enclosures

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: MA

Complaint narrative:
I checked my credit through XXXX XXXX and noticed a drop of over 50 points. I was looking to see what caused this and noticed that Discover Financial did a hard inquiry yesterdayXX/XX/XXXX without my consent. I have a credit card, a personal loan, and a student loan with them, but I pay them automatically so I have no late payments and the credit card is actually at {$0.00} balance. I am not sure if this was a mistake on their part, but I also don't know which part of the 3 Discover could have done it ( I have to log in to 3 different websites so I think they are all somewhat independent ). Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed a 30-day late payment to my credit report during Covid 19 Unfortunately with the stay-at-home orders, my business was shut down most of 2020. When I called and spoke to the XXXX customer service person regarding my payment for XX/XX/2020 being paid late, I was told that as soon as I could bring my account up current that they would remove any late payment history from my account, as long as it was within the time frame we set, which was no more than 30 days. My account was paid late for the month of XX/XX/2020 however, was brought current by XX/XX/2020, within the 30-day time frame we had agreed upon. Now after the fact, XXXX is reporting a late payment still for XX/XX/2020. I have tried contacting them to have this removed as well as filed a CFPB previously since I could not get a response back by mail. The response that I received from the cfpb complaint from XXXX was that they will not remove the late pay : '' XXXX did not cause the error of reporting status '' There was no acknowledgement of anything that should have been taken into consideration with my account. This is not a normal practice for me, I am a business owner and pride myself on paying my debts on time with a good history. With the nation trying to get back on track financially, one would think that a large corporation would be much more willing to help a consumer with removing one late payment off of the credit history especially when the consumer has a XXXX balance and made the account current as stated within 30 days. Very disappointed

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 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed a 30-day late payment to my credit report during Covid 19 Unfortunately with the stay-at-home orders, my business was shut down most of 2020. When I called and spoke to the XXXX customer service person regarding my payment for XX/XX/2020 being paid late, I was told that as soon as I could bring my account up current that they would remove any late payment history from my account, as long as it was within the time frame we set, which was no more than 30 days. My account was paid late for the month of XX/XX/2020 however, was brought current by XX/XX/2020, within the 30-day time frame we had agreed upon. Now after the fact, XXXX is reporting a late payment still for XX/XX/2020. I have tried contacting them to have this removed as well as filed a CFPB previously since I could not get a response back by mail. The response that I received from the cfpb complaint from XXXX was that they will not remove the late pay : '' XXXX did not cause the error of reporting status '' There was no acknowledgement of anything that should have been taken into consideration with my account. This is not a normal practice for me, I am a business owner and pride myself on paying my debts on time with a good history. With the nation trying to get back on track financially, one would think that a large corporation would be much more willing to help a consumer with removing one late payment off of the credit history especially when the consumer has a XXXX balance and made the account current as stated within 30 days. Very disappointed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed a 30-day late payment to my credit report during Covid 19 Unfortunately with the stay-at-home orders, my business was shut down most of 2020. When I called and spoke to the XXXX customer service person regarding my payment for XX/XX/2020 being paid late, I was told that as soon as I could bring my account up current that they would remove any late payment history from my account, as long as it was within the time frame we set, which was no more than 30 days. My account was paid late for the month of XX/XX/2020 however, was brought current by XX/XX/2020, within the XXXX time frame we had agreed upon. Now after the fact, XXXX is reporting a late payment still for XX/XX/2020. I have tried contacting them to have this removed as well as filed a CFPB previously since I could not get a response back by mail. The response that I received from the cfpb complaint from XXXX was that they will not remove the late pay : '' XXXX did not cause the error of reporting status '' There was no acknowledgement of anything that should have been taken into consideration with my account. This is not a normal practice for me, I am a business owner and pride myself on paying my debts on time with a good history. With the nation trying to get back on track financially, one would think that a large corporation would be much more willing to help a consumer with removing one late payment off of the credit history especially when the consumer has a XXXX balance and made the account current as stated within 30 days. Very disappointed

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 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I Noticed a couple accounts and inquiries on my report info not recognize

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 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I Noticed a couple accounts and inquiries on my report info not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I had my wallet stolen in a XXXX hotel room on XX/XX/2021, there was almost {$1500.00} unauthorized charges on my account. I called them and they said they will block the credit card and send me a new one and open an investigation. Today is XX/XX/2021 the charges were reverse against me and I called them, they said to reopen the investigation they need a police report from where it happened. Im no longer in XXXX and I live about 8 hours away! This was never told to me when I reported the credit card stolen, not sure on what to so since this garbage company doesnt want to help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX Loan Originator NMLS ID # XXXX With AmeriSave Mortgage Corporation NMLS ID # XXXX pulled mine and my husbands credit without consent. We only found out once we got your credit score disclosure in the mail. We applied for a loan somewhere else and he started calling multiple times so I talked to him. I never gave him our so local security numbers. I do not know how he had them.

Company response to consumer: Closed with explanation