vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-07 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collection : XXXX - XXXX {$1900.00} -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 non-monetary relief
Consumer complaint received 2021-12-07 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: DC

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: NV

Complaint narrative:
I had a solar panel system installed, the finance company. whose name is goodleap, has been withdrawing funds from my account, to make payments on the solar system, which has not been completed, and is not a working system, several attempts to have them correct the problem of withdrawing funds from my account for a none working, uncompleted hook up system. has not been rectified by goodleap to return those fund or correct the installation problem to a working system have all failed, what do i do about this.can you help?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: WA

Complaint narrative:
I received a bill from American Coradius International ( ACI ) in the mail a couple weeks ago for {$45.00} ( but said they were willing to settle for {$34.00} ) to collect a debt on my XXXX account. I called XXXX, and they said I have a long history of being in good standing with them, and that I owe nothing. Furthermore, they said if I did have a debt, they would use my email address for communication, and not send anything to a 3rd party debt collector. They told me the letter I received was fraudulent and to  disregard it. I have already filed a claim with the XXXX  as well. There are hundreds of fraud/ phishing complaints about ACI on the internet, and I am curious if they are true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Receive notification from a different organization that I have an outstanding debt with Bank of America that posted on my credit bureau report. Account : Bank of America # XXXX. I went to several branches to validate if I have an account or not. The branch managers searched for my account. I am not able to dispute the account with the credit bureau 's because the account was opened in XXXX and last payment posted was in XXXX. I check all 3 credit bureau agencies and currently the account is not on my credit bureau report.

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 2021-12-07 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:
My credit bureau scores dropped over XXXX points after I was incarcerated in XXXX I was the victim of ID fraud. 

There are dates of inquires that could not possibly have been made by myself as I was incarcerated. The bureaus are not removing these hard inquires. I did not approve nor make these inquires. mortgage inquires are counted as one Inquiry during a 30-45 period on one 's credit report. I have at least three inquires that are reported as mortgage-related. 

Mortage credit hard inquires on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are false and would still only count as ONE inquiry If I had actually made the inquiries. 

ALL THREE CREDIT BUREAUS REPORT HARD INQUIRIES THAT WERE FRAUDULENT and the RESULT OF ID THEFT. I DID NOT MAKE THEM. I HAVE PROVIDED LEGAL DOCUMENTATION FROM THE DOJ AND FEDERAL DEFENDERS OFFICE TO NO AVAIL. 

I HAVE CHANGED ALL CREDIT CARDS AND NOTIFIED MY BANK THIS PAST XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: PA

Complaint narrative:
My credit bureau scores dropped over XXXX points after I was incarcerated in XXXX I was the victim of ID fraud. 

There are dates of inquires that could not possibly have been made by myself as I was incarcerated. The bureaus are not removing these hard inquires. I did not approve nor make these inquires. mortgage inquires are counted as one Inquiry during a 30-45 period on one 's credit report. I have at least three inquires that are reported as mortgage-related. 

Mortage credit hard inquires on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are false and would still only count as ONE inquiry If I had actually made the inquiries. 

ALL THREE CREDIT BUREAUS REPORT HARD INQUIRIES THAT WERE FRAUDULENT and the RESULT OF ID THEFT. I DID NOT MAKE THEM. I HAVE PROVIDED LEGAL DOCUMENTATION FROM THE DOJ AND FEDERAL DEFENDERS OFFICE TO NO AVAIL. 

I HAVE CHANGED ALL CREDIT CARDS AND NOTIFIED MY BANK THIS PAST 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 2021-12-07 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: U.S. BANCORP
State: OK

Complaint narrative:
creidt card was on my credit report thats not mine when i called the company to discuss this with them they had address that i have lived sence i was XXXX a bad cell phone number and landline attched to an address that i lived at durring the time that this account was opened

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 2021-12-07 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: PA

Complaint narrative:
Hi there. I sent you a letter on XX/XX/2021 but I haven't received any letters from you. I am here at CFPBs website because I think that you have not been doing what you are supposed to do. I will keep on seeking help from government agencies or even hire an attorney if this matter doesn't get resolved.

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 2021-12-07 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: PA

Complaint narrative:
Hi there. I sent you a letter on XX/XX/2021 but I haven't received any letters from you. I am here at CFPBs website because I think that you have not been doing what you are supposed to do. I will keep on seeking help from government agencies or even hire an attorney if this matter doesn't get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
transunion suspended my online account for some reason and will not unlock it. tried calling and it looks like they blocked me from calling as well. i called about XXXX different numbers and still blocked. not sure whats going on

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 2021-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On Sunday, XX/XX/2021, My family unfortunately fell victim to a scam. We found this puppy website online and thought we are getting a puppy but this was all a lie. These people do not have any puppies and used a fake address. The individual tricked us into paying him the full amount in Venmo for {$860.00}. When I tried to contact Venmo, theres no customer support available as its a Sunday. I had to refer to the apps dispute instructions. The app instructed me to first request money back from the same sender if I would like to get the money back. So I click the one button that says request / pay I put in the same amount {$860.00} I wanted a refund of. 2 buttons right next to each other appeared Request and pay - I accidentally hit pay ( theres no separation on this button, if you have big fingers or just blinked for a microsecond you can easily miss ). And just like that, I paid this individual TWICE! Theres not even a confirmation or review step to make sure. I reached out to venmo multiple times and of course my case was declined. I understand that the user agreement with Venmo should be between people you know, and I understand being out of the money for the first payment I did, but the second payment that is made by mistake because of their apps design flaw, they should be held accountable for that. Even with friends and family, not everyone will return your money if you accidentally paid them. It was such a simple fix and highly preventable ( separate the buttons, have different tabs for requesting and paying, or even have an extra review step ). I have taken all the necessary steps I need including reporting to my local law enforcement agency, filing a police report, and reporting to the CFPB. Venmo should as well, because with the way things are, they are aiding and abetting scammers and dishonest people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-07 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Purchased item from XXXX, charged it to AMEXPRESS, item shrunk fell apart asked XXXX for return, authorization given, asked for return label, SUBCONTRACTED SERVICE ON XXXX, BASED IN XXXX, FAILED TO PROVIDE PRINTABLE RETURN LABEL! Provided XXXX krix-kracks, attached to the package and deposited at US POSTAL XXXX into UPS designated XXXX cart!! Received temporary credit which was taken back 45 days later. No longer have the defective product, AMEXPRESS charging me {$37.00} with interest!! XXXX service has been interfering into XXXX  business issues and failed to provid proper business instruments. AMEXPRESS MUST PROVIDE CREDIT FOR RETURNED ITEMS WHERE SELLER HAD FAILED TO PRIVED PROPER MEANS FOR RETURN!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: MI

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over XXXX. transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2021 XXXX deposited XXXX in my account and then capitol one froze my account and said they was closing it and have not and I can't get my money until they send it back to the sender and I've tried calling and emailing and still can't seem to get no one or response at this point I don't know what else to do so my money is sitting in this account and they are collecting interest all I want them to do is return the money to XXXX and they wont do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: ADP Inc.
State: TN

Complaint narrative:
XXXX is a company used by XXXX XXXX. I have had XXXX deposits not get there. It is in adp. Which is a connected distributor to XXXX. I did get a deposit on the first XXXX card One that is only good for 20 days. I got the other one activated it. I have not got a deposit since. I call hr and ADP each blame each other. On the XXXX XXXX  card website. All my direct deposit info is correct. Still no deposit. Why is it a problem? 
Thanks. 
XXXX XXXX. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I purchased shares of the stable coin XXXX through Coinbase on XX/XX/2021, for the amount {$970.00}. This purchase gave me XXXX shares of XXXX, and I have a screen shot of the original receipt that shows how many shares I purchased, I also have a screen recording of them changing the amount of shares. They then went in and called it a glitch, and locked the trading of XXXX. I had {$61000.00} worth of GYEN that I could not withdraw or do anything with because they locked the trading abilities. They claimed it was a decimal glitch, and then went in and changed the amount of shares in my account, it now says I have XXXX shares. Their policy states that all purchases are final with no exceptions, yet they went in and changed the amount of shares after the initial purchase going against their own policy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
Freedom Mortgage has emailed, called, and texted me to try to solicit their mortgage services to get me to refinance. I have requested multiple times that they stop contacting me as I am not interested however they continue to contact me. I want to be permanently removed from their contact list.

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 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am unable to get in contact with experian over the phone. I am requesting a temporary unfreeze of my credit, and their phone lines are inoperable, preventing me from speaking to a representative. Instead, I have a robot response that forces me down specific pathways, all of which prevent me from speaking to a human being. I have attempted to do the online portion of the unfreeze, and am met by an error that tells me to contact them, with a given phone number.

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 2021-12-07 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: VA

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

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