vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 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:
XXXX XXXX XXXX XXXX is showing past due days in XXXX. Ive never been late. I contacted them and they said Id have to contact the credit bureaus because they arent showing me ever late. I contacted the bureaus and theyre still reporting me late. XXXX said they havent been contacted to verify that I have never been late!

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 2022-10-11 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:
XXXX XXXX XXXX XXXX is showing past due days in XXXX. Ive never been late. I contacted them and they said Id have to contact the credit bureaus because they arent showing me ever late. I contacted the bureaus and theyre still reporting me late. XXXX said they havent been contacted to verify that I have never been late!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written instructions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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:
XXXX XXXX XXXX XXXX, account # XXXX is showing 1- 30 days late payment. I made my payment on time and has never been late! I submitted a dispute and the agencies havent responded and its been 30 days. I contacted XXXX and they verified that I wasnt late and that the bureaus havent contacted them. They advised me to contact the bureaus to have them contact the credit union to get it corrected!

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 2022-10-11 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: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. 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.

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 2022-10-11 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: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. 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.

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 2022-10-11 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: GA

Complaint narrative:
There are collections accounts and personal information on my credit report that are reporting inaccurately and need to be investigated. I have reached out to Experian and XXXX on multiple occasions through the mail and by phone, requesting them to investigate the accuracy of the accounts, and they have not responded or resolved the matter. To be exact, I've sent XXXX letters in the past 12 months asking for a verification of these accounts. I have not received a response email or letter from this credit bureau informing me that an investigation has occurred or a resolution. Please help me resolve this matter. I am exhausted by this company and highly disappointed in how they are ignoring me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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:
XXXX XXXX XXXX XXXX, account # XXXX is showing 1- 30 days late payment. I made my payment on time and has never been late! I submitted a dispute and the agencies havent responded and its been 30 days. I contacted XXXX and they verified that I wasnt late and that the bureaus havent contacted them. They advised me to contact the bureaus to have them contact the credit union to get it corrected!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11 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:
XXXX XXXX XXXX XXXX, account # XXXX is showing 1- 30 days late payment. I made my payment on time and has never been late! I submitted a dispute and the agencies havent responded and its been 30 days. I contacted XXXX and they verified that I wasnt late and that the bureaus havent contacted them. They advised me to contact the bureaus to have them contact the credit union to get it corrected!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: GA

Complaint narrative:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank ( XXXX XXXX  ) paid on time for 3 years, was on auto pay and paperless billing. Promotions internet rate was expiring. Called when I saw my payment went up. Spoke with supervisor. Told me I was within the grace period to pay off. Took my payment over the phone to close account. Account was never closed still charging me interest. Called numerous times. Supervisors keep telling me it will come off.it doesnt come off. They are ruining my credit. I refuse to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-11 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:
Recently I filed an investigation on my credit report, which caused severe XXXX upon me, as I found inaccurate, incomplete, and questionable items that was not XXXX XXXX reporting accurately. I disputed the bridgecrest account with Transunion due to various inaccuracies and incompletions that were reported. After receiving a response that lacked the context that I requested. I called Transunion only to find that the creditor has now changed the permanently closed charge-off account status ( as of XX/XX/XXXX ) to open, and reported the date of last activity as XX/XX/XXXX! This creditor has also wiped the payment history reported. I fear the creditor is retaliating against my right to dispute and verify the account, and Transunion has not conducted a thorough investigation of this account and supports this illegal activity. This illegal reporting violation has caused a sudden XXXX point decrease in my credit score this month, as confirmed by a TransUnion rep on XX/XX/XXXX, this account should not have reported from the beginning, and the representative encouraged me to file a complaint for the deletion of this account, as no details that I requested in regards to the methods of the investigation was disclosed to me. Other reps refused to disclose what details were verified with the creditor. Transunion and the creditor has violated my rights in the other inaccurate ways ; inaccurate monthly payment amounts, inaccurate payment timelines, {$0.00} high balances, dates of last activity, account status. I have enclosed proofs of their inaccurate reporting as of the most recent credit files that I received via mail. I have also enclosed proofs of the recent fraudulent update that the creditor tried to report ; reflecting the now open status and wiped payment history.

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 2022-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX i started a Dispute for a transaction with XXXX XXXX XX/XX/XXXX my dispute was denied.The reason why I started this dispute was because I returned back the merchandise ( XXXX phones ) back to XXXX using the return label they provided me.After a week of sending back the items i was told by XXXX that the warehouse was not willing to accept my package and that the XXXX return warehouse would have to contact me to confirm that i was attempting to send back the XXXX.I contacted them via XXXX XXXX about this issue and its been over XXXX weeks from now since they have ever contacted me about this issue.Hence is why Im making this complaint to further explain why Im re attempting to start this dispute.I will provide pictures of the package showing up as pending and show a screenshot of the last time XXXX has attempted to contact me about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: CA

Complaint narrative:
XXXX XXXX XXXX # XXXX Another inaccurate reporting in my credit... high balance experian {$0.00}, XXXX {$520.00}!!! Date of Last active experience XX/XX/2017 while XXXX XX/XX/2017... XXXX REPORT..PLEASE DELETE!!

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 2022-10-11 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: NJ

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 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 non-monetary relief
Consumer complaint received 2022-10-11 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: NJ

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 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 2022-10-11 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: EQUIFAX, INC.
State: NJ

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 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 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a mobile deposit on XXXX for XXXX. XXXX XXXX dollars of the deposit was made available on XXXX. I placed a call to customer service on XXXX to confirm the deposit and was advised it should on only be a few days for the hold on funds. On Friday XXXX I received a card in the mail from Truist Bank advising that there is a hold until XXXX because the check is " likely uncollectable ''. I contacted Truist and was told i needed to speak to the XXXX department and the representative would connect me. After XXXX minutes she came back on the line and told me they were unavailable and that I could contact them directly. I called yesterday XXXX and spoke to the XXXX department as instructed and they advised they have nothing to do with it -- I would need to speak to someone in customer service. I spoke to XXXX in customer service who advised that since the Truist merger, there was a large amount of fraud causing delays on check/holds. I explained that the check was from XXXX XXXX and was advised it did not matter. I also advised that the online backing states that the funds will be released on XXXX and the card I received in the mail advised XXXX. XXXX confirmed XXXX. I called this morning to file a dispute and XXXX ( supv ) advised it is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: IL

Complaint narrative:
On XXXX XXXX a account appeared on my Transunion credit report from a XXXX called XXXX XXXX. Upon calling XXXX XXXX I was informed that they have received a ton a calls from consumers complaining about this erroneous reporting. I have never had an account with XXXX XXXX and they were unsure what was happening and would follow up with me in regards to what happened. I demand that the account is removed from my credit report as it is an error and doesn't belong to me. Transunion is required by law to verify account that are reported to them and they failed to do so. Please remove 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 2022-10-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX  # XXXX Another inaccurate reporting in my credit... high balance XXXX XXXX$0.00}, equifax {$520.00}!!! Date of Last active experience XX/XX/2017 while equifax XX/XX/2017... XXXX REPORT..PLEASE DELETE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: MT

Complaint narrative:
I've had this phone since XX/XX/XXXX. When I asked about unlocking my phone, I was told that it needed to be paid off before unlocking. The person I spoke with said that I owed {$240.00} then said a different amount when I asked her again. So, I bought a new XXXX that claimed to be compatible with XXXX  ; it wasn't. I asked the person why since the package stated it was and she didn't know. 
I've dealt with customer service several times regarding other e-mails on my account ; they said they don't have control about that. I questioned the person about requesting they be removed and he/she said they'd take care of it every time I called but it wasn't, resulting in XXXX XXXX  ( XXXX ), XXXX XXXX XXXX Then I asked about the protection which I paid for and was told they ( XXXX  ) couldn't control or fix the problems. I have not used this account since XX/XX/XXXX. They have charged me since then and I am not even connected to them. 
Thank you, 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 2022-10-11 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: NBT BANCORP INC.
State: NH

Complaint narrative:
NBT has been a terrible experience throughout the term of my loan. Between a faulty XXXX system that randomly cancels itself and charges you a late fee and puts a late payment on your credit, and rude customer service, I regretted going with this company from the start. 

When my vehicle was totaled by an XXXX XXXX, my XXXX XXXX included coverage for the remaining balance of the loan and any other outstanding fees. 

NBT is now claiming that I still owe over XXXX and has made this a charge off on my credit. I have tried to solve this with the company by telling them my XXXX XXXX was willing to pay for it, to which they reply that they wont cooperate with the insurance. 

This bank has single-handedly ruined my chances at getting a home.

Company response to consumer: Closed with explanation