vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-06 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: IL

Complaint narrative:
I have 6 hard inquires on my report that I do not recognize. I tried to explain to 3 bureaus and the creditors that I didnt recognize them and that they shouldnt be on there. They continue to tell me they cant do anything are all 6 are hard inquires so its hurting my credit. I need them gone as soon as possible. I also sent credit letter to the 3 bureaus and credit to dispute negative items and they have not been responding. Its almost been 2 months. I NEED THEM GONE NOW SO I CAN GET FUNDED FOR MY BUSINESS!!!

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 2021-05-06 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: IL

Complaint narrative:
I have 6 hard inquires on my report that I do not recognize. I tried to explain to 3 bureaus and the creditors that I didnt recognize them and that they shouldnt be on there. They continue to tell me they cant do anything are all 6 are hard inquires so its hurting my credit. I need them gone as soon as possible. I also sent credit letter to the 3 bureaus and credit to dispute negative items and they have not been responding. Its almost been 2 months. I NEED THEM GONE NOW SO I CAN GET FUNDED FOR MY BUSINESS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX is FRAUDULANTLY REPORTING a delinquent account that they have full knowledge was fraudulantly created by their own sales representative seeking a commission. 

Some 2 years ago, a XXXX installer knocked on my door to install XXXX cable service that XXXX ) I never ordered, 2 ) had no knowledge of and 3 ) I DECLINED ANY INSTALLATION OF OR SERVICE. 

This all took place after I moved to my current residence at XXXX XXXX XXXX XXXX, XXXX XXXX Florida, where I have NEVER HAD XXXX EQUIPMENT OR SERVICE OF ANY KIND ( including without limitation internet, cable or any other service from XXXX XXXX. 

The installer determined that some XXXX SALES REP created the fake account to earn a commission. The XXXX installer told me I needed to call XXXX to correct, which I did on at least 5 occasions. Rather than following the paperwork to determine WHO AT XXXX CREATED THE FRAUDULANT ACCOUNT TO BEGIN WITH, XXXX continued to arrogantly make it my problem. XXXX HAS NEVER PROVIDED EVEN A DAYS WORTH OR SERVICE OF ANY KIND TO ME AT THIS HOME ( we have and continue to use XXXX XXXX from day 1 ). 

XXXX and their collection agenecies have been notified of the FRAUD ad nauseum, but continue to take no responsibility to fix the problem ( which could easily be fixed by them merely tracking their sale rep that created the fake account to begin with ). They are a company that is too big to care, and instead WRONGFULLY AND FRAUDULANTLY made the intentional bad faith decision to report this fake account to my credit, causing significant actual damages to me and my finances. 

This is wrongful, intentional and deserving of punitive damages - they need to be punished for these careless, lazy and completely wrongful bad-faith actions. 

XXXX has been notified of the above NUMEROUS TIMES on RECORDED LINES, which I hereby request access to under the Freedom of Information Act.

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 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2021 I had XXXX in account ending in XXXX deposited by TN XXXX. Of Unemployment. I checked my account about XXXX. And all of my money was gone! It was gone because someone in the legal department that was not knowledgeable about the law, gave my XXXX money to an attorney which was XXXX XXXX Firm on a XXXX XXXX XXXX garnishment. The law is supposed to protect any government money unless child support is owed. When I called Suntrust the money was pending. I said Please dont give my rent money away, wait until tomorrow, put a hold on it, freeze it. I spoke to no less than 7 people. Most of the customer service people were not in the XXXX. I knew my money was going to be gone in the morning. No one even tried to find out the truth that they should have known or reach out to anyone. I feel that after the money was gone because someone in legal let it slip through the cracks no one wanted to be liable. I sent emails and everything and havent heard from anyone yet. Finally they told me to get an attorney and get my money back. I said you act like you work for them instead of me! Thats my rent. All they kept saying was that scripted sorry! I didnt want to hear that1. /they need retraining. Then they kept saying call that number and get the money back. I said they are the enemy, they want my money! And I am so surprised that no one knew out of 7 people what is supposed to happen when a garnishment comes to the legal department. First it has to be answered which means determined if it can be legitimately placed on the account, but you dont just blindly give out other peoples money. the other thing they did was they gave ALL of my money to them instead of a portion. I dont think that is legal even if it was legal to obtain the money. Next they should have looked at the funding coming into the account. If they had done that the garnishment should have been returned to the law office as not serviceable due to Unemployment going into that account only. the check had just come. No one at suntrust stood up for me or said I was right because they knew a mistake had been made but they could not afford to let me know. I called in time enough for it to be stopped and they would not even do that. Whomever placed that on my account needs firing. What about everyone else? How many times is this being done to people who have federal funds? People who cant or dont speak up? When I looked and saw that Suntrust gets a fee of {$100.00} I see why because I could not see why they would turn against me their own customer for a creditor. If they do this to a million people look how much money they will have! My rent is gone and it was already short. Now I have nothing1

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 2021-05-06 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: NY

Complaint narrative:
I have communicated with the credit bureaus several times about 3 inquiries on my report that I did not make and they have not deleted them from my account. My first communication was sent in XXXX and nothing has been addressed. I sent them an affidavit and FTC report XXXX # XXXX ) and still no deletions, and I feel my rights are being violated due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: TX

Complaint narrative:
I have been working on having my credit reports updated and corrected for months. Ive sent multiple letters starting the beginning of the year. To please have All inaccurate and unverifiable information removed off my credit reports, I have not been updated or notified, please remove all information or I will have to file for 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 explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit 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 2021-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
The problem started when I bought carpet for my house and placed it on my card. First, they over measured and over charged me for the carpet. They stated they would come pick up the extra carpet and credit my account but didn't. I purchased the carpet under a promotion where I had to pay it off within 18 months without interest. I paid the account off in XX/XX/2021. I went into my account to purchase some paint and found out they closed my account. I called credit services and was told that I closed the account, which I did not do. I then checked my credit report and found out my credit score dropped 6 points from them closing my account. I sent them a letter stating my dissatisfaction with the way they handled my account. The response i got again was that I closed my account and no other charges could be made. I did not authorize or request for my account to be 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
Consumer complaint received 2021-05-06 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: IN

Complaint narrative:
I have a recently received my credit report and noticed a bankruptcy on my report that i did not authorize or give consent I know and understand that is a violation to my right to privacy as a consumer according to 15 usc 1681 ( a ) ( 4 ) furthermore I did not give consent to this information to be furnished according 15 usc 1681b ( a ) ( 2 ) this is a violation to my consumer rights I've also contacted the bankruptcy court and have been notified that they do not report to the credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: TX

Complaint narrative:
I have been working on having my credit reports updated and corrected for months. Ive sent multiple letters starting the beginning of the year. To please have All inaccurate and unverifiable information removed off my credit reports, I have not been updated or notified, please remove all information or I will have to file for litigation,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I signed up for a Capital One 360 checking account and followed all directions to get the {$400.00} sign up bonus. The bonus was supposed to be paid on XX/XX/XXXX and when it was not, I called customer service and was told I did not enter the promo code. However, I entered the promo code XXXX and offered to send the proof I have that it was entered at opening. I opened the account on XX/XX/XXXX and I had to receive 2 direct deposits totaling {$1000.00} or more within 60 days of account opening. After this was completed the {$400.00} bonus would be paid by XX/XX/XXXX. I received direct deposits as follows : {$1100.00} on XX/XX/XXXX, then {$1000.00} on XX/XX/XXXX, then {$1000.00} on XX/XX/XXXX, then {$1000.00} on XX/XX/XXXX. I exceeded the requirements and still did not receive my bonus. I would not have opened the account if I were not going to receive the bonus, and I am 100 % sure I entered the promo code, I will attach the screenshot I have. I was referred by my husband and the exact same thing happened to him and I noticed numerous people online are in the same situation. This is fraud on Capital Ones part, or in the very least - false advertising. Please help me to make them responsible for falsely enticing customers to open an account and then not making good on their promises. I have a case open with them where they are making an exception, but can not guarantee anything and I do not have high hopes this will result in anything positive. Capital One says there is nothing else they can do. This is very frustrating, and makes it hard to trust a big financial institution. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Happy Money, Inc.
State: PA

Complaint narrative:
I have a current personal loan with happy money formerly Payoff. 
In XX/XX/2021 I was admit to the hospital with XXXX XXXX. This caused my payment to be late and now there is a late payment on my credit report.. 
I quickly made a double payment and asked them if then can please remove this late payment as I was sick with XXXX. 
Spoke to a guy named XXXX who quickly said no that he would not remove it. I even told him I can send him documentation on my hospital stay and ask if there could be an expectation. The answer was still no. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion, XXXX and XXXX did not include my new credit card information with credit utilization rate. I am XXXX XXXX veteran who has XXXX kids. I tried to use my COE issued by US department of Veterans affairs to get VA home loan for my children. 
Credit utilization rate should be included in credit score and credit report. 
My FICO score is XXXX right now today, if transunion, XXXX  and XXXX  update my new credit info, it might be helpful for XXXX XXXX veteran and children. XXXX XXXX is better than XXXX for many good reasons for the middle class peoples and veterans. 

Department of XXXX XXXX REFERENCE NUMBER XXXX FOR LOAN GUARANTY BENEFITS SERVICE NUMBER SOCIAL SECURITY NUMBER XXX-XX- # # # # FUNDING FEE Exempt - SC with Monthly Award

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 2021-05-06 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX, XXXX and Equifax did not include my new credit card information with credit utilization rate. I am XXXX XXXX veteran who has XXXX kids. I tried to use my COE issued by US department of Veterans affairs to get VA home loan for my children. 
Credit utilization rate should be included in credit score and credit report. 
My XXXX score is XXXX right now today, if XXXX, equifax and XXXX  update my new credit info, it might be helpful for XXXX XXXX veteran and children. XXXX XXXX is better than XXXX for many good reasons for the middle class peoples and veterans. 

Department of Veterans Affairs REFERENCE NUMBER XXXX FOR LOAN GUARANTY BENEFITS SERVICE NUMBER SOCIAL SECURITY NUMBER XXX-XX- # # # # FUNDING FEE Exempt - SC with Monthly Award

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: VA

Complaint narrative:
XXXX, Experian and XXXX did not include my new credit card information with credit utilization rate. I am XXXX XXXX veteran who has XXXX kids. I tried to use my COE issued by US department of Veterans affairs to get VA home loan for my children. 
Credit utilization rate should be included in credit score and credit report. 
My FICO score is XXXX right now today, if XXXX, XXXX and experian update my new credit info, it might be helpful for XXXX XXXX veteran and children. FICO XXXX is better than XXXX for many good reasons for the middle class peoples and veterans. 

Department of Veterans Affairs REFERENCE NUMBER XXXX FOR LOAN GUARANTY BENEFITS SERVICE NUMBER SOCIAL SECURITY NUMBER XXX-XX- # # # # FUNDING FEE Exempt - SC with Monthly Award

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 2021-05-06 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Experian is reporting a fraudulent account, errors, multiple names on my credit file that do not belong to me, i called and Experian multiple times and couldn't get any one to help resolve the problem. 

experian is reporting a fraudulent account called SO XXXX XXXX for {$130.00} from a company i've never done business with, i never signed a contract or gave permission to that company to access my social security number or personal address. 

Experian is reporting misspelled names or some one elses name on my credit 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 non-monetary relief
Consumer complaint received 2021-05-06 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: MD

Complaint narrative:
I've tried numerous times to the student loan closed. I had a parental loan for my son 's school. The federal agency closed the student loan because my son had been deceased for over 3 years. I many times requested they close the loan. It doesn't exist anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
My Coinbase account got hacked into, I locked the account and changed my password, now when I try to sign in it directs me to a verification page to prove its me. I have done the verification and I keep having to repeat the verification process and it wont let me into my Coinbase account. I just get directed to the verification process everytime. Please help Ive emailed multiple times and they keep responding with the basic response. They arent helpful at all! I have a lot of $ in this account and Im worried my funds are gone or Im not gon na be able to get in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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:
I sent a letter on XXXX to Equifax, XXXX, and XXXX regarding an inaccurate item I found on my credit report, and to this day I have yet to see a response. I truly feel as is the credit bureaus are ignoring my dispute. As a litigious consumer I understand my rights and demand this account be deleted or I have no choice then to file for litigation. On top of this issue my personal information was impacted by the Equifax data breach, and could have fallen into the wrong hands. Lastly, I will add this section 611 ( a ) states that a failure to investigate within 30 days gives a reason to immediately remove those items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMORGAN and Chase Bank. 

Repeatedly is unable to solve problem of recently discovered {$1200.00} USD thg that was siphoned from account last year. I just discovered this error while reviewing statement online with a JP Morgan Chase Customer Service representative approximately tw
o weeks ago. I am XXXX. 

They denied the claim, despite being FDIC insured. This is unacceptable. 

Please contact me as soon. As possible via email as I have no way to pay for even a phone bill due to their errors and mistakes. 

With Best Regards, XXXX XXXX XXXX EMAIL : XXXX XXXX

Company response to consumer: Closed with explanation