vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-26 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 2021-12-26 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: Experian Information Solutions 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 2021-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Business Factors
State: CA

Complaint narrative:
National Business Factors XXXX XXXX sent a collection notice for me to my sister 's house. The letter was dated XX/XX/21, Principal amount of {$490.00}, and XXXX XXXX of {$120.00} ( XXXX XXXX {$620.00} ). The letter requested for my credit card information along with my drivers license. They also informed that " interest will accrue on this account on a daily basis, pursuant to Nevada Revised XXXX XXXX. '' I am unaware of such charges or unpaid debt.. I checked XXXX, XXXX and XXXX and I am in very good standing with all these credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: NY

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 2021-12-26 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: Experian Information Solutions Inc.
State: NY

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 2021-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I havent received any response through the cfbp from bank of america. I have requested documents regarding the status of my opened and closed accounts. Bank of thieves still has not settled my claim.

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 monetary relief
Consumer complaint received 2021-12-26 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I reserved a golf set from XXXX. They sent me the wrong set twice ( XXXX clubs vs males ) and I had to know reruns them both twice. I printed the label and sent it to the ups drop off and a few months later they said I was delinquent when I have proof of requesting a return late and then dropping it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: WA

Complaint narrative:
I have had nothing but problems with experian XXXX since I did their free service and it expired, I happen to have a credit card that gave me free access, I pay my cards off every month, I never carry a balance, I make multiple payments per month up to 5 to clear a zero balance, I get emails from them telling me they are going to shut down my experian for no report of payment, XXXX is this.i was penalized XXXX points last week, for know reason, XXXX, XXXX I went up and up by XXXX points or more from experian, they claimed I paid a account off with XXXX recently this is incorrect, XXXX also raised a loan amount which I haven't touched to XXXX and raised my credit card to XXXX which is always at XXXX every month.i will file a XXXX on experian and take them to court if they don't stop their XXXX credit tactics, infact I went 5 mo ths with no score change with them before this none at all and I pay all my accounts off every month

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 2021-12-26 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: Experian Information Solutions Inc.
State: IA

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 2021-12-26 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: AR

Complaint narrative:
I have dispute accounts on several occasions and this company is still violating my consumer rights. The accounts and inquiries need to be removed or I will proceed with 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 2021-12-26 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: FL

Complaint narrative:
Transunion is reporting this account with credence for {$160.00} XXXX dont have a collections account with XXXX XXXX XXXX I still have an account of account with at & t this debt is not valid please remove this account. Also I have a credit card with XXXX and your still not reporting 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 2021-12-26 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: AR

Complaint narrative:
I have dispute accounts on several occasions and this company is still violating my consumer rights. The accounts and inquiries need to be removed or I will proceed with 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 2021-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Im asking to have this account removed from credit report I dont owe {$160.00} to anyone me so Im requesting this company to validate this debt! I think theres a mix up with someone I currently have an active account with XXXX XXXX XXXX I have bill pay this isnt my account m!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-26 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: AR

Complaint narrative:
I have dispute accounts on several occasions and this company is still violating my consumer rights. The accounts and inquiries need to be removed or I will proceed with litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I received an identity theft alert. An impersonator was using my personal information to apply for an apartment lease. I received the debt of application fees for this fraudulent act. Date of occurrence : XX/XX/2021, original creditor : XXXX XXXX 2, Amount Billed : {$150.00}. I received the notification from Columbia Debt Recovery of this false charge on a letter dated XX/XX/2021. I also received a letter notification of Columbia Debt Recovery 's request of proof to better investigate this crime on XX/XX/2021. This actually informed me of the option to file a complaint with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/21 someone did a transfer money without my authorization from bank of America to a saving or checking. on the week I have notice by card has been lost since I don't check my balance often I notice on the XX/XX/21 my whole money was gone from my visa prepaid by XXXX and I did a claim and a police report and bank of America didn't send me a letter notify who did the transfer on my account now they denied my claim please help

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 2021-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
I agreed to try a product from XXXX that would give me information about the performance of my car. It was called XXXX. I tried it, and found that it was not giving me anything that I wasn't already getting from my car 's system. I returned the XXXX to a XXXX Store on XXXX XXXX XXXX, XXXX, FL. The employee at the store told me that they didn't take returns, and that they would take the $ 10 monthly charge off my account. I kept the XXXX for two years, and was never asked to return it ;, and, I never received another bill from XXXX. 
I received a collection notice many months later. I informed the agency of the above, and never received another collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Im simply asking for my tradeline with capital one Walmart to report on my credit reports not showing and Im a user in this card and help with payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been reaching out to these companies trying to verify and correct inaccurate items reporting on my credit reports. When I reached out to the credit bureaus they replied back that the accounts were verified and reporting accurately. Then I reached out to each individual company because there is no way things are verified as accurate when there are missing account numbers, wrong credit limits and credit balances, missing fields etc. 

When I did hear back from the companies some sent a print out and some refused to respond to me at all. All of these companies are reporting inaccurate information on my reports which is a direct violations of my rights as a consumer under the FCRA. Not only that, these companies or either the major credit bureaus are lying cause they both are saying its accurate but according to my credit reports I have found several violations. Not only that one of the companies closed down years ago, so my questions is how was that verified and whom did they contact to verify this account with XXXX XXXXXXXX XXXX. I am very upset at this unlawful reporting.

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 2021-12-26 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: Maximus Federal Services, Inc.
State: AR

Complaint narrative:
I have been reaching out to the Dep of Education for months trying to update/correct inaccurate items on my credit reports. First, I contacted the credit bureaus and they replied back that the accounts were accurate and reporting correctly. Everytime I contact them I keep getting the same response but my credit reports shows differently. I have several accounts reporting from the Dept of Ed and all of these accounts are reporting inaccurately. According to the FCRA, all information on your credit report should be reporting 100 % accurately or it should be removed from my credit reports. The laws are clearly being broken and my rights as a consumer has been violated more than once.

All accounts reporting from the Dept of Ed are inaccurate ... missing incomplete account numbers, inaccurate late payments that does not match my records, closed accounts still reporting balances, inaccurate account balances just to name a few violations that are constantly being overlooked but they still reporting inaccurately to my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have been reaching out to the Dep of Education for months trying to update/correct inaccurate items on my credit reports. First, I contacted the credit bureaus and they replied back that the accounts were accurate and reporting correctly. Everytime I contact them I keep getting the same response but my credit reports shows differently. I have several accounts reporting from the Dept of Ed and all of these accounts are reporting inaccurately. According to the FCRA, all information on your credit report should be reporting 100 % accurately or it should be removed from my credit reports. The laws are clearly being broken and my rights as a consumer has been violated more than once. 

All accounts reporting from the Dept of Ed are inaccurate ... missing incomplete account numbers, inaccurate late payments that does not match my records, closed accounts still reporting balances, inaccurate account balances just to name a few violations that are constantly being overlooked but they still reporting inaccurately to my reports.

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 2021-12-26 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: MD

Complaint narrative:
Identity Theft Report Attached. 

The investigation and reinvestigation of this account was never presented. Verified electronically is not an investigation. 
I was unaware of who XXXX was until I had to fight to prove the account does not belong to me. 
Account : XXXX I also noticed a few inquiries appeared, hopefully the data breaches and hackers have not taken any further steps. 
Inquiries : XXXX, XXXX, XXXX XXXX Please delete the above placed identity theft account and inquiries from my consumer credit report and file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
I had my balances on three of their credit cards they continued to increase my balance with these crazy fees i wAs being charged four-five different fees causing my balance to escalate and double or even triple in balancr

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX and have been trying for weeks in an attempt to get my dispute of fraudulent charges/ unauthorized transactions approved by Td bank with no success in which I have done everything they have asked. 

I am a victim of clear fraud through the social media app called XXXX. My friend on the app named XXXX XXXX XXXX had his account hacked and his identity stolen. The hacker impersonated XXXX XXXX over XXXX prompting me to use XXXX to invest under false pretenses. 

At the time I was not aware he was hacked, I thought I was investing money with a friend. I authorized {$1000.00} using a crypto exchange app called XXXX in which I got a td text to approve. 
I soon saw unauthorized transactions of another {$1000.00}, {$8200.00}, {$240.00}, {$30.00}, {$30.00} which I DID NOT AUTHORIZE and DID NOT GET A TD TEXT. 

I got suspicious when I was not able to get my investment or profit back so I contacted my friend with another form of communication in which he informed me he was hacked on XXXX and reported it. Knowing that I got defrauded from identity theft, I had provided police reports, reported to Federal Trade Commission, office of general attorney to Td bank to get disputed as I should as per FTC clearly stating this is fraud. As per police, it is fraud. I have done all that is asked to have these fraudulent disputes approved yet with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
Klima Peters & Daly PA has contacted me regarding an alleged debt. I sent a cease and desist letter, and an .Affidavit of Truth. I sent an second cease and desist advising Klima Peters & Daly of violating my rights as a consumer under 15 USC 1692 g,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, I'm filing a complaint against Experian credit reporting agency on their bias scoring system. I have an exceptional payment history. I keep my debt ratio under 9 % but they will not raise my score at all but if one of my balances increase just a slight amount my score drops 10-20 points. I'm XXXX american so I feel the system is bias towards me given my exceptional 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 explanation