vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: College Foundation, Inc.
State: NC

Complaint narrative:
I had 4 accounts with XXXX, with payment starting when I graduated from college in XXXX. I paid ALL monthly payments on-time, and in XX/XX/XXXX I paid off my loans in full. 

During COVID, under the CARES act, most borrowers with federally-held loans were automatically entitled to no monthly payments or interest until XXXX XXXX, XXXX. I continued to pay my student loans as financially I was able to. 

In XX/XX/XXXX I had my XXXX  child. As a new mom, with a newborn in the height of covid, understandably I was a bit overwhelmed. I logged in to pay my student loans that fall ( as I did every month ) and the XXXX website could not find my account / allow me to login. I spoke with an agent over the phone- he mentioned there had been a system change/upgrade and 'submitted a ticket ' to have my account info linked or corrected. 

I made a payment and ensure there was no past due balance. Then the next month, the same account issue occurred again. As a new mom I focused on my newborn and didnt worry with the headache of the account linking issue, as I was under the impression that the CARES act covered my XXXX loans- I thought this for 3 reasons : 1/the CARES act covered my XXXX XXXX XXXX 2/as an XXXX, I never took out private loans and only took out federal loans, 3/the information online appeared as though XXXX was covered I was SHOCKED, I mean SHOCKED when I saw my credit report and 60 days past due ( DPD ) in XXXX XXXX, 60 DPD in XXXX, 90 DPD XXXX XXXX, 120 DPD XX/XX/XXXX and 120 DPD XX/XX/XXXX. My credit score that I had worked so hard to establish as a young adult and make solid had absolutely plummeted from a simple mistake. 

I understand that XXXX is reporting past due to the credit agencies, however believe this is inaccurate given the 1/account issue referenced above ( there are recorded calls with an agent acknowledging this ) and 2/the understanding about the CARES Act. 

I implore XXXX to remove this severely impacting negative information from my credit score. As soon as I was aware of the issue, I paid off the account in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SUNRISE CREDIT SERVICES, INC
State: DE

Complaint narrative:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts

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 2022-09-18 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: Credit Karma, LLC
State: MS

Complaint narrative:
On XXXX - XXXX i saw a lot of pre approvals on credit karma telling me that i was pre approved for credit cards and personal loans and that i can refinance my car. everyday i login, to check my credit report, so after a few months i was told that i was pre approved i thought i was in the perfect place to apply i got so many offers i started telling my family about vacations we was going use these pre approvals for so i finally applied sometime around XXXX i was upset that i was denied i felt bad because they told me i was pre approved this way a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: GA

Complaint narrative:
I disputed the XXXX account with Transunion around XXXX XXXX XX/XX/XXXX. By XX/XX/XXXX they VERIFIED it as ACCURATE and continues to report this item. However, this account is and has been reporting this incorrect and inaccurate information for the past 3yrs. This account is being reporting as 90 days LATE on XX/XX/XXXX, 120 days LATE on XX/XX/XXXX then additional 120 DAYS LATE on XX/XX/XXXX. THIS IS IMPOSSIBLE and INACCURATE! They must not know that XX/XX/XXXX to XX/XX/XXXX is only 30 days not 120 days! The last date of activity is inaccurate as well. These inaccuracies has been affecting my credit score negatively for the past 3 years and had me getting denied credit! This is devastating and I have requested the deletion of the account on multiple occasions! Furthermore they do not do proper investigations when requested because they lied to me when they said it was VERIFIED AND ACURRATE! And when compared to the XXXX and Transunion reports i found several discrepancies such as High credit limit, last activity date and account type. I have disputed this account several times over the past few years and Transunion kept verifying it as accurate and kept it on my report. They are in Violation of my consumer rights according to the FDCPA and FCRA. Please DELETE this Account as requested previously. I want this item removed PERMATELY.

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 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX is reporting bankruptcy info on my credit that isnt valid Ive called and ask to remove they refused, contacted the bankruptcy court they advised they do not report to the credit bureaus and is unaware of why its showing up.

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 2022-09-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602 A states I have a 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 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602 A states I have a 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 2022-09-18 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: Coinbase, Inc.
State: SC

Complaint narrative:
Coinbase debit card. 
Debiting pending transactions Then when payment went through ( another debit ) but have not refunded pending debit. 6 times for total of {$600.00}. 
Dates and locations as follow : XX/XX/22 XXXX XXXX  # XXXX XXXXXXXX XXXX {$100.00} pending XXXX XXXX # XXXX XXXX {$100.00} ( transaction completed ) XX/XX/22 XXXX XXXX # XXXX XXXXXXXX XXXX {$100.00} pending XXXX XXXX # XXXX XXXX {$100.00} ( transaction completed ) XX/XX/22 XXXX XXXX # XXXX XXXXXXXX XXXX {$100.00} pending XXXX XXXX # XXXX XXXX {$100.00} ( transaction completed ) XX/XX/22 XXXX XXXX # XXXX XXXXXXXX XXXX {$100.00} pending XXXX XXXX # XXXX XXXX {$100.00} ( transaction completed ) XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX - XXXX XXXX - {$100.00} pending XXXX - XXXX XXXX - {$100.00} pending The above transaction were declined but and did not complete but still they debited {$100.00} each for pending. 

When I add up all the deposits to fund card and subtract debits. I am short {$600.00} I have contacted Coinbase several time by phone and email and have been issued a ticket number. I provided above info. I keep getting the run around. I know Coinbase laid off 18 % of their employees and are probably having trouble taking the time to review. 
I've seen other complaints on XXXX and one person got his problem solved thanks to you CFPB. 
I hope you can help. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following Inquiries have been unauthorized to run my credit. I have no acknowledgment of these inquiries and never authorized. 

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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The following Inquiries have been unauthorized to run my credit. I have no acknowledgment of these inquiries and never authorized. 

EQUIFAX/XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I have noticed on my Experian report that Experian reports my XXXX XXXX to be over {$66000.00}. 

I only have two loans both with XXXX XXXX. Those loans as of XX/XX/22 have a total of {$22000.00}. 

This incorrect information is hindering my ability to secure any further loans with XXXX XXXX, which is my primary financial institution. 

I have contacted and spoken to two reps at Experian, who very quickly noticed and acknowledged the incorrect information. The last rep I spoke to indicated that a Supervisor would have to look into this and then would call me. That was months ago and I still have not been contacted. Experian, has also made it more difficult to get a hold of rep on the phone to discuss the mattter. 

This issue needs to be resolved as quick as possible or legal action will be considered.

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 2022-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This is updated evidence documents for previous filed complaint. Cant attach more to it so adding the information and sent to Bank of America

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 2022-09-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX I called Bank of America because a month earlier I asked them to close my credit card account along with the two checking accounts I had open. They said ok so I assumed it was taken care of. 
A month later I see a statement in mail saying there is a balance. I called and told them this account was closed and gave them my credit union account info a said please pay off the balance and close it for good this time. It was for the amount of {$82.00}. Again I assumed it was handled again. A few weeks go by and I get another alert that this account was past due. I called and asked why and they said the payment I gave them came back which is impossible because XXXX XXXX said its the correct info and it has more than {$5000.00} running balance at all time plus has {$1000.00} over draft meaning it would have paid the {$82.00} no matter what. Bank of America must have gotten my XXXX XXXX  account info wrong which kept them from getting their money and didnt want to admit it. Because if this banks lack of doing their job now I have a 30 and 60 day late on my credit report. I have perfect credit with a score of XXXX and have NEVER paid anyone late in my life and I want this off my credit because I paid them many times. I paid them again on XX/XX/2022 and paid them once again to pay off the balance and close the account. I want this closed, reported closed and the late pay blemishes off all three of my credit 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 2022-09-18 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: OH

Complaint narrative:
XXXX XXXX and XXXX XXXX i sent letters to these 3 credit bureaus requesting them to stop reporting inaccurate information about me on my credit profile after i recieved my credit report. I got a response of the information came back verified. I wrote asking them to provide them method and sources used to verify in the inaccuracies about me no response. These items are in collections which is sold debt and/or charged off which is cancelled debt and filed on the business taxes. Since the debt is cancelled it shouldn't be reporting as past due with a balance. I have no written contract or consent with these collection agencies. This is a violation of the FCRA and is also in violation of requisite METRO 2 compliant reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and are required to remove any information that isnt true, accurate, compliant, and verifiable. I demand that these mentioned derogatory items be investigated and permanently removed from my 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 2022-09-18 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:
In accordance with the Fair Credit Reporting Act XXXX, XXXX, and TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) has violated my rights. 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 a account without my written instructions 15 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 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 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, EQUIFAX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 a account without my written instructions 15 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 2022-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal continues to report inaccurate account information to XXXX, XXXX, and XXXX credit reporting agencies which continue to cause me irreversible harm. 

I have attached the following documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Receivables Performance Management, LLC
State: DE

Complaint narrative:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts

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 2022-09-18 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: NCB Management Services Inc.
State: TN

Complaint narrative:
XXXX : 6 addresses, 7 closed account and 2 Collections that need to be removed from my credit report. 
XXXX : 7 closed account that Need to be remove from my credit report. 
XXXX : 8 closed account, 2 collections, 1 address that need to be removed from my credit report. These credit bureaus are reporting inaccurate information into my report WITHOUT MY CONSENT AND that is causing me to get denied for everything that I apply for. Even for an apartment, Im going XXXX cause no one want to lend me anything. These negative items in my credit report is causing me my XXXX XXXX. Im stress and Im going to loose it if XXXX, XXXX and XXXX do not Delete the negative items on my credit report. I have disputed these negative items on my credit report EVERY SINGLE MONTHS to get them out and they still not being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XXXX : 6 addresses, 7 closed account and 2 Collections that need to be removed from my credit report. 
XXXX : 7 closed account that Need to be remove from my credit report. 
XXXX : 8 closed account, 2 collections, 1 address that need to be removed from my credit report. These credit bureaus are reporting inaccurate information into my report WITHOUT MY CONSENT AND that is causing me to get denied for everything that I apply for. Even for an apartment, Im going XXXX cause no one want to lend me anything. These negative items in my credit report is causing me my XXXX XXXX. Im stress and Im going to loose it if XXXX, XXXX and XXXX do not Delete the negative items on my credit report. I have disputed these negative items on my credit report EVERY SINGLE MONTHS to get them out and they still not being removed.

Company response to consumer: Closed with explanation