vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 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: DC

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX within the time permitted 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 inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXDate of Inquiry XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: DISCOVER BANK
State: TX

Complaint narrative:
Started with a {$200.00} secure credit card and was told after 8 months of paying on time and responsible use would have my {$200.00} returned and graduate to a unsecured card. Graduated to a unsecured credit card on XX/XX/XXXX and was told by email will receive {$200.00} deposit returned in 5-7 business days. It is now almost a month have reached out 2-3 times and each time been told sorry it's a " glitch '' and don't know when your secure deposit will be returned. Last call was on XXXX XXXX and talked with a XXXX out of the Ohio office and she was very unprofessional towards me even questioning and belittling what I did for employment. Asked to speak with supervisor. Spoke with supervisor named XXXX out of the Ohio office. Never received an apology for the way XXXX spoke to me and got them same response of " I don't know '' when requiring about the return of my secure deposit. Then XXXX hung up on me ending the call

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-12-08 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: DC

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/2021 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 2021-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
My son 's computer was somehow used, on XXXX XX/XX/2021, to hack into my PayPal account and purchase two gift cards for {$55.00} and {$56.00}. The companies that the gift cards were through were : XXXX ( {$56.00} ) and XXXX ( {$55.00} ). In addition, they purchased {$100.00} of Bitcoin ( BTC ). The gift cards equaled the amount that was in my PayPal account and the Bitcoin was purchased with my linked bank account XXXX. XXXX was able to give my money back because they believed it was a fraud. PayPal, on the other hand, did not reimburse me saying, " The case was closed as this transaction is ineligible for PayPal Purchase Protection. '' I have spoken with PayPal several times on the phone and filed four claims for the gift cards purchased under my son 's name ( XXXX ) that I have never received, but have been denied reimbursement all four times. I have contacted my insurance company, XXXX XXXX XXXX, and they have been helping me try to recover my money. The agent 's name that is assisting me is XXXX XXXX and her email is XXXX. XXXX also put in a claim through XXXX and it was denied because they saw no fraud. I also submitted a police report through my local sheriff 's department and filed an IC3 complaint through the federal government. Furthermore, the criminals who hacked my PayPal account changed my SSN and my Password. I was able to change the password and put my original SSN back in. What makes this even more obviously a fraud case is that I have never purchased Bitcoin or gift cards from these companies or ever for that matter. Additionally, the Bitcoin was purchased at XXXX XXXX  my time. I was asleep at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: TX

Complaint narrative:
There are fraudulent accounts on my credit reports that I have contacted each credit bureau about. I sent each of them a cover letter detailing the fraudulent information that I am aware of along with a copy of all of my identification and FTC report. I sent my documents to XXXX via fax and XXXX and Experian via certified mail. The tracking for my documents sent to XXXX is XXXX XXXX  XXXX XXXX XXXX and for Experian XXXX XXXX XXXX XXXX XXXX. Since receiving my documents, I have not heard anything back form the credit bureaus for my concerns. They are knowingly reporting accounts on my credit reports that I have told them do not belong to me and have done nothing to fix or investigate this problem. I was under the impression that is was against the law for the credit bureaus to report inaccurate information on someones credit report and that if they did not respond to my letters that the accounts would be removed from my credit reports. I am sure there is a law that proves it.

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 2021-12-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
For the past several months I have been trying to resolve this issue with Equifax XXXX XXXX XXXX XXXX '' with no success. This issue is causing financial and emotional stress and needs to be corrected asap! Negligence of this final complaint will force me to pursue legal action as I have been trying to resolve this for almost half a year now. I came to a settle in full agreement with XXXX XXXX on XX/XX/2021. Attached is the settlement in full letter I got from XXXX. XXXX is still reporting a balance owed. Due to the clear and obvious error on XXXX XXXX end of not properly reporting a zero balance, the only way to make things right is by deleting this account entirely from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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:
I just pulled update of my credit report I already sent you few rounds of complaints, like I said before I dont know any of these accounts. I never apply for it. Why you still posting this information on my name. Im sure that someone have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: CITIBANK, N.A.
State: MD

Complaint narrative:
Two unrecognized hard inquiries appear on my credit repot ( see attached ), from " XXXX XXXX '' and " CITI CARDS CBNA '', both on XXXX. I did not apply for any cards or loans in that timeframe. 

I was not able to reach anyone via phone to get more details at either XXXX or Citi.

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 2021-12-08 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Exeter Finance is continuing to show that my car that was paid off by XXXX XXXX is delinquent and/or charged off due to non-payment. I filed a claim through the credit reporting agencies, which came back saying that the information was true based on the information reported from XXXX XXXX. XXXX XXXX paid my car loan off completely in XX/XX/2020, when I purchased a new car through them. But, again it's showing up on my credit report as a charge off and or delinquent account. I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: OH

Complaint narrative:
My background check shows that I lived in New York and I have never lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: DC

Complaint narrative:
This is 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 account listed below is still reporting on my credit report in violation of federal law. The Equifax 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 account completely from my Credit Reports : XXXX XXXX XXXX XXXX-Balance $ XXXX Opened : XX/XX/2016 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, This matter is with Bank of America. I had a line of credit with them and each month I make a {$100.00} payment. In XXXX I made monthly payments as usual. Then I received a late notice ( I can not remember the exact date, but it was the later half of the year ). I called BofA and found out my payments were going to an Unapplied Account, but they do see the payments and said they will move the funds over to my account. At that time, I did tell them that this had happened to me a few years back also ... my payments were being applied elsewhere, and then I would get a late notice, I had to call to get them to reapply it to my account... 
Then, a few months later in XXXX, it happened again, this time when I called, the Rep said the same thing again, that they see the payment but it's in the unapplied funds account. The difference this time was she told me that the loan had matured and I had to pay it off. So I said ok, and I paid it off. 
Fast forward to XXXX, I'm in the process of refinancing my home, and that was when I found out that BofA reported me 4-5 months paying late. I tried calling BofA multiple times. First time they said their reporting is accurate, I tried disputing it but got no response. Third try got no response either. But the Rep told me she will send me the payment history on file and I can file a report with the Credit Bureaus. When I got that statement I sent it to my lender. He told me the statement was hard and confusing to read, which I do agree. But that goes to show that BofA was messy applying my payments. So I printed out my payment history from my bank also, which clearly shows I made my payments each month, and made a payoff amount of {$4000.00} in XXXX. 
So my lender suggested I also file a dispute with the 3 credit bureaus. He wrote the cover letter for me and told me to mail it with my payment history. So I Certified Mail them on XX/XX/XXXX. I received the Dispute Result letter yesterday XX/XX/XXXX. The results says the " Outcome Remains '' I feel that XXXX also failed me. I sent in my payment history as proof that I was never late, and they didn't even take that into consideration. 
I would like to file this complaint on both Bank of America and XXXX. Bank of America for reporting inaccurate information and not correcting the issue, and XXXX for not doing their due diligence on my behalf. 
I can send you the payment history statement that BofA sent me and also my payment history that I printed out from my bank for you to review. 
Thank you for your time and I hope you can resolve this issue for 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 non-monetary relief
Consumer complaint received 2021-12-08 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

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 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I tried to get my free annual credit report, but the website did not allow me to. I then called, and still have not received it. I demand my consumer credit report AND FILE be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: TX

Complaint narrative:
There are fraudulent accounts on my credit reports that I have contacted each credit bureau about. I sent each of them a cover letter detailing the fraudulent information that I am aware of along with a copy of all of my identification and FTC report. I sent my documents to Equifax via fax and XXXX and XXXX via certified mail. The tracking for my documents sent to XXXX is XXXX XXXX  XXXX XXXX XXXX and for XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Since receiving my documents, I have not heard anything back form the credit bureaus for my concerns. They are knowingly reporting accounts on my credit reports that I have told them do not belong to me and have done nothing to fix or investigate this problem. I was under the impression that is was against the law for the credit bureaus to report inaccurate information on someones credit report and that if they did not respond to my letters that the accounts would be removed from my credit reports. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
I was contact by Credit Corp stating they are handling a debt owed to XXXX and the name on the account is XXXX XXXX. I have a XXXX account, but it is linked to my personal bank card as I have never applied for credit through XXXX. i contacted XXXX and they stated my account is good standing. I informed Credit Corp and I asked them to provide any information they have to substantiate who the debt belongs to. To date they have failed to provide any additional information regarding the debt. I have sent them two emails, one included an Affidavit of Fraud, I have called them twice to obtain additional information but they have not providing any documentation to substantiate the debt. I have requested they stop contacting me. I conducted a XXXX search and there are 49 individuals in California with the same name. I believe someone with a similar name opened the account or used may name to open the account. I have express this to Credit Corp but they do not seem to care. They are continuing to harass me everyday and have not provided any additional information. I want them to stop contacting me.

Company response to consumer: Closed with explanation