vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 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: SD

Complaint narrative:
I received an alert that a credit inquiry was done on my credit through equifax mortgage services and I have not done any business with equifax or applied for any mortgages through equifax. I am not sure why they are assessing my credit but i did not give them permission to inquire of my credit for any reason and especially not for a mortgage. I havve never owned a home and have not applied for one through equifax. I didn't even know that equifax offered mortages. I have fraud alerts on my credit file with all 3 bureaus and it appears that equifax may be committing the fraud. their system is now even asking me questions about me having a mortgage when i try to verify to release the freeze on my credit file but i have never had a mortgage. It have issues verifying when equifax riggs up my credit file to keep me from utilizing it when i need to release the freeze from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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 — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: FL

Complaint narrative:
The company is Nelnet the loan was sold to another company for refinancing.When I had the loan I paid one bill now the bill is showing up multiple times on all three credit bureau and being listed up to four times on one report.l called Nelnet and they said I had multiple loans. I recall my last payment with them being in XXXX. They have it listed as XXXX ; which is incorrect.l have filed a dispute with all three credit bureaus and requested my payment history.They made a mistake and put the correct payment history up any the the time I went to print it out it had changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The company is XXXX the loan was sold to another company for refinancing.When I had the loan I paid XXXX bill now the bill is showing up multiple times on all three credit bureau and being listed up to XXXX times on XXXX report.l called XXXX and they said I had multiple loans. I recall my last payment with them being in XXXX. They have it listed as XXXX ; which is incorrect.l have filed a dispute with all three credit bureaus and requested my payment history.They made a mistake and put the correct payment history up any the the time I went to print it out it had changed.

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 2021-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING is claiming that I owe them {$720.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: MI

Complaint narrative:
Called the company on XX/XX/2021 they opened an investigation and reaffirmed inaccurate information on my credit report even after I submitted bank statements to prove I was right and paid on time every time.

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 2021-03-30 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: MI

Complaint narrative:
Called the company on XX/XX/2021 they opened an investigation and reaffirmed inaccurate information on my credit report even after I submitted bank statements to prove I was right and paid on time every time.

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 2021-03-30 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: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Called the company on XX/XX/2021 they opened an investigation and reaffirmed inaccurate information on my credit report even after I submitted bank statements to prove I was right and paid on time every time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Since XX/XX/2020 I have been unable to make payments due to the pandemic. Every month since then I have contacted my financial institution I have let them know this. I made payments whenever possible. On one particular occasion I made a payment of {$100.00} towards my credit card, I received a notification that the bill has been paid however the money was not deducted from my account as I thought. So I continue to make purchases with my debit card. Because I received a notice that the money was deducted from my capitol one 360 checking. I thought the payment was already made and it was not made! In fact they never took the money out of the account as they initially said so the payment was declined therefore it resulted in late fees however because of the pandemic its only happened once maybe twice at best but my credit score to drop 90 points as a result is very serious and I believe that my financial institution set me up for this to happen. Please investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
Had a collection added to my credit report involving rent that I do not owe.never had a lease or legal obligation to pay rent to new owner

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 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
From previous complaint, I have decide to closed my HSBC account XXXX Hsbc send a letter saying they are gon na refund my balance of {$5100.00} They even provided a fedex label. As of today I did not received any fund

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Since XX/XX/2020 I have been unable to make payments due to the pandemic. Every month since then I have contacted my financial institution I have let them know this. I made payments whenever possible. On one particular occasion I made a payment of {$100.00} towards my credit card, I received a notification that the bill has been paid however the money was not deducted from my account as I thought. So I continue to make purchases with my debit card. Because I received a notice that the money was deducted from my XXXX XXXX XXXX checking. I thought the payment was already made and it was not made! In fact they never took the money out of the account as they initially said so the payment was declined therefore it resulted in late fees however because of the pandemic its only happened once maybe twice at best but my credit score to drop 90 points as a result is very serious and I believe that my financial institution set me up for this to happen. Please investigate this matter.

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 2021-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX the branch manager of the Bank of America at XXXX XXXX XXXX, XXXX, NJ XXXX refuses after two requests from me to delete the pending {$39.00} late charge on car loan payments! 

This even though I have repeatedly stated that because of the novel coronavirus my beloved wife XXXX and I have not been able to work. In fact, XXXX had to quit her job after 16 years! 

This branch manager and the Bank of America demand that I pay this {$39.00} late charge even though I have been making payments steadily all along at {$500.00} and now because of the brutal cruelty of this bank at the original amount of {$770.00}, this bank paying no attention at all to the novel coronavirus as it it does not exist and never did! 

I refuse to pay this {$39.00} late fee! And shall not do so!

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 2021-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I was Charged {$160.00} on XX/XX/XXXX by XXXX XXXX and still have not received my products I ordered. 
I disputed the charges with PayPal and PayPal closed my case without resolving.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: IN

Complaint narrative:
There an issue with a chargeback on a purchase I made around XXXX of XXXX, their system was showing buys as " rejected '' even though the ACH transfer was not rejected. A few days later I came to realize Binance.US submitted about five transfers, I did request each transfer because it kept showing " rejected '', I do have screenshots of this. 

Anyhow, support was slow to respond and their system was unable to take a deposit for about {$950.00} for the chargeback. A couple months later the {$950.00} was paid back with the sale of about XXXX HBAR in virtual currency. 

During this time my account had trading disabled. Being disabled means I can not access my funds, they are being held hostage and I have no recourse because they rarely respond. The moment the {$950.00} was paid back is the moment my account should have been enabled again. 

Months and months of emailing them without a reply. I opened a new ticket on XX/XX/XXXX and did not get a reply until I started posting my experience on XXXX, they have since blocked me because they don't want people aware of what they are doing and how they hold funds hostage. 

On XX/XX/XXXX Binance.US support sent me email stating my account was enabled again on the XXXX and for me to verify this is the case. I checked it out only to learn the same issue remains. 

I also sent them an email because I tried to deposit {$10.00} just to test and I let them know, at this point they kept asking that I send them bank statements and a video even though the issue has nothing to do with making a deposit. I don't care about making deposits, I care about having control over the value of my account which had a value of over {$42000.00} on the XXXX. As of this moment the value dropped to about {$33000.00}. 

Even though they had no need for a video or bank statements I sent them anyhow, seven days ago and I am still locked out of my funds. They have not even replied to the emails that had the requested video and docs attached. Seems like they are stalling and from what I gather there are many they do this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
Because someone fraudulently used one of my credit cards in XX/XX/2020, I got a credit report from one of the major credit reporting companies. I think this was the first time in my life I had ever requested a credit report because I had always heard that doing so could lower one 's credit score : besides, I had no need for further credit. However, I did discover that there was an account for a credit card from USAA Savings Bank that wasn't mine. The number for USAA was listed on the report so I called them. This was around XX/XX/2020. When I called I told the person answering that I thought someone had created a credit card account with my identity. They asked me a series of questions and, yes, my identity was used to open an account. I was then transferred to the fraud department and they asked me more questions to determine my identity, They got to a point where they asked if I was in a particular branch of military service. I have never been in the service at all so at that point they said that was a " big red flag '' and they could see that the account was opened with my stolen identity. They said they would take care of it and get back to me. They didn't. I've called them three or four more times and written them a certified letter, but they are giving me no help or information.

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 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX XXXX I submitted a dispute about some personal information regarding my credit score and potential fraud as there was a closed account in my name. I uploaded my passport, social security and ID letting them know that I am currently XXXX. The account was charged off by XXXX in XXXX. I however was born in XXXX so I cant possibly know who or what happened when i was only XXXX XXXX XXXX at the time. I even proceeded to write them a letter with additional information provided such as my address on a banking statement. However on XX/XX/XXXX my dispute stated that the charge of would remain because the information was correct when XXXX matched the information. Yet I dont see how that could be possible when I sent in all information proving that the information regarding my account as a whole was wrong it stated that my birth year was XXXX when i specifically sent in documents proving that I am XXXX. There is no way that a XXXX XXXX XXXX could have opened this account and I feel as though Experian didnt do enough for my situation. I am very disappointed because as a young adult I should be able to build my own credit not start off with poor credit based upon something I did not do.

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 2021-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
CREDIT MGMT is claiming that I owe them {$86.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: MS

Complaint narrative:
XXXX is reporting multiple inquires that do not belong to me. I had never made any inquiries on these accounts. Please see accounts listed below : 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 ; and XXXX XXXX. 
Experian is also falsely reporting multiple inquiries as well that do not belong to me. I had never made any inquires on these accounts. Please see accounts listed below : 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 ; EXPERIAN XXXX XXXX XXXX ; EXPERIAN XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX and EXPERIAN XXXX XXXX XXXX. I do not recognize ANY of these accounts and have never made an inquiry to these creditors. This multiple reporting of inquiries that are not mine is seriously harming my credit score and these items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax and XXXX  are reporting incorrectly my Date of Birth. Equifax has the birthdate completely wrong it should be reporting as XXXX and XXXX  just has the year listed. My correct date of birth needs to be updated. My most recent credit report also shows the following accounts as not in dispute, when in fact these accounts are in dispute. Medical collection/chargeoff account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These line items are in fact in dispute and this language needs to be reflected on my credit report. In addition, these accounts do not belong to me. No original creditor has been listed and I do not even recognize who these collection accounts are for. This false reporting is seriously harming my credit score and these line items need to be removed from my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX. 
The deposit has been pending since this time. 
I have called the company Cashapp 5 times and was told they would escalate the case. I emailed 10 times with no responses to any emails. Cashapp will not help over the support telephone line. They only offer email support.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: AZ

Complaint narrative:
Have have repeatedly disputed many fraudulent collections accounts on my reports across all 3 reporting agencies. especially after my last CFPB complaint some collections accounts have been closed and removed from my report but not from all 3 agencies. I am just searching for consistency between the 3 agencies, it has been 3 months and 2 agencies still show a few accounts as open when after the CFPB results say closed.

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