vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-21 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: GA

Complaint narrative:
There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below account and inquiries from my XXXX EQUIFAX, and XXXX credit report ( s ). These inquiries are fraudulent and unverifiable. 

ACCOUNT : PERSONIFY Opened XX/XX/2019 INQUIRIES : XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account ( s ) and inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. Requesting to permanently remove these accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
on or about XX/XX/XXXX XXXX XXXX put on my credit report a charge off for {$4000.00} dollars i do not owe XXXX XXXX any money and i want this off my credit report and i had a XXXX credit score and this situation dropped my credit score down to XXXX so i am making this formal complaint of unfair business practice 's especially in theses difficult times i take pride in my credit and i feel there is malfeasant 's going on at XXXX XXXX!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: GA

Complaint narrative:
On XX/XX/2018 I received notifications of unauthorized activity on my XXXX XXXX Credit Card account # XXXX while serving in the XXXX. I contacted a representative at the bank regarding the matter and was told my account had been locked. I then asked to open a dispute and was told i would have to call back at a later time and do so. Upon calling back multiple times the matter was never handled causing inaccurate debt to be placed on my credit.

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 2021-05-21 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: GA

Complaint narrative:
On XX/XX/2018 I received notifications of unauthorized activity on my XXXX XXXX Credit Card account # XXXX while serving in the XXXX. I contacted a representative at the bank regarding the matter and was told my account had been locked. I then asked to open a dispute and was told i would have to call back at a later time and do so. Upon calling back multiple times the matter was never handled causing inaccurate debt to be placed on my credit.

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 2021-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below account and inquiries from my XXXX XXXX, and TRANSUNION credit report ( s ). These inquiries are fraudulent and unverifiable. 

ACCOUNT : XXXX Opened XX/XX/2019 INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account ( s ) and inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. Requesting to permanently remove these accounts and inquiries.

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 2021-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -TRANSUNION XXXX -- XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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:
This is a follow-up complaint against Equifax. 
Please reference original complaint file : XXXX Equifax did not perform review, and correction of my account. 
I am attaching additional supporting documentation. Additionally, I have summarized the prior complaint to ensure all information is at hand for them to understand my concern. Most importantly, because I come in good faith, with the sincere hope that providing all information will help correct my credit report in reasonable time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: Paypal Holdings, Inc

Complaint narrative:
Hi, Paypal closed my account for no reason and without getting any help or assistance from them. I'm not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for a month but I was just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me. Great deal as I used Paypal quite frequently. My email linked to my Paypal account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: PA

Complaint narrative:
I was over 30 days late on my mortgage payment due to only now working XXXX XXXX XXXX due to the pandemic. I am now caught up to date with the payment. I have a 30 day late mark on my credit report which dropped my credit score 134 points. I tried to dispute this through the credit bureau and I also called the mortgage company and asked them to have it removed. I thought there was leniency during the pandemic. I would like this removed from my credit report. I have lived here for 15 years and have never been late nor missed a payment. I was waiting on my stimulus check to be deposited into my bank account before I could make the payment.

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 2021-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
At the HSBC website, I saw they had an offer for 3 % cashback of my payroll deposits up to {$100.00} bonus each month for 6 months ( {$600.00} total bonus ) when opening a new checking account. The website said that I'll be automatically eligible if I sign up using the link. I did everything exactly as instructed and deposited my paycheck directly from my employer to this account over {$5000.00} each month from XX/XX/XXXX to XX/XX/XXXX. 

I checked the status of this bonus with their customer service over 5 times starting in XX/XX/XXXX. The first time the agent told me I need to wait one more month to receive the bonus. After a month I contacted the customer support again and they asked me to wait another week and get back to them. I did that and they kept asking me to wait one more week again and again over 5 times.

They promised me each time they'll fix this issue which could be due to some technical glitch. And finally today after 6 months of wasting my time and effort, they said they will not give me any bonus because I did not use the correct promo link to open the account ( I did use the correct link from their website as instructed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit System Dates Ranges on My Report XX/XX/XXXX to XX/XX/XXXX Never received letters of debt Collection Accounts pops up XX/XX/XXXX requested debt validation with documents nothing received but yet the states verified with no response back to me or proof of verification which I have requested 2x with no luck and no other form of communication theyre giving

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
i have a checking and savings account with CITI bank. they kept advertising what great credit cards they have. i already have a mastercard and a XXXX  card, both with limits over {$10000.00}. i was told as soon as i got my card i could call and ask them to raise my limit, if wanted. i did so, and was denied. they gave me a {$1000.00} limit. and then i found out that was my limit until i paid off whatever i owed on my account. i was understanding that my limit would be from closing date to closing date. not true, probably because i've never had such a low limit. when i called i got a supervisor, off shore, who could not care less when i told her i would not be using my card after i reached my limit. i asked why they gave me such a low limit, but no explanation was given. my credit score is XXXX, so i really don't understand. i am ready to close all my accounts with CITI because of this treatment. i really feel i was totally deceived into applying for this card, as i didn't really need it, but promises were made that are not being kept.

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 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XX/XX/2015 Amount XXXX Reported on my report has negative

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 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XX/XX/2015 Amount XXXX Reported on my report has negative

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 2021-05-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Collection Systems, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX{$1500.00} Constant phone calls asking for personal information about a account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc.
State: VA

Complaint narrative:
Received false, deceptive as for refinance mortgage rate 1.9apr from lending tree No credit pull I submitted my infor - my credit was pulled and no offer met their promise This was a plot to collect and sell my information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Asset Recovery Solutions, LLC
State: OH

Complaint narrative:
asset recovery solution is trying to collect on a debt that was discharged in bankrupcy.I have had extensive fraud which i finally just filed bankrupcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have tried countless times to open up a bank accounts and get denied every time. On XX/XX/XXXX i requested a XXXX Report. And i was informed that Bank Of America had reported my accout for SUSPECTED FRAUAD ACTIVITY on XX/XX/XXXX, on XX/XX/XXXX me and my family was evicted and was not able to redeem our personal belongs. Shortly after our eviction i was XXXX for XXXX years, After my release i started to relize that something was not right. I contacted Bank Of America to inqure about this onging situation and was rudely accused of the SUSPECTED FRAUD ACTIVITY.

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 2021-05-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXXn since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: IL

Complaint narrative:
I am in communication to have the following information in my file that I would like to be deleted. I am a victim of identity theft and did not make the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I have an account with Binance.us and you need to use a XXXX XXXX to access your account. For some reason it crashed and even though I have a login and correct password, I can not access my account without the XXXX XXXX. 

I have contacted them several times about this, they asked me to send them a screenshot of my bank account XXXX XXXX XXXX ) and a copy of my CA driver license and a video of me asking me to do the following : Don't worry, we can assist you manually. 

To help you with your request, please provide the following requirements to continue : Step 1 : Attach a selfie photo of yourself, holding the same proof of identification. 

Step 2 : Attach a video of yourself, holding the proof of identification and repeat the following phrase : " Today is ( DATE/MONTH/YEAR ), I am requesting to reset my account XXXX for my Binance.US account associated with ( XXXX XXXX. '' Please provide the documentation attached to this thread, or you may use a XXXX link. Unfortunately, we don't accept documentation within XXXX XXXX. 

After we verify your files, we'll authorize the reset XXXX process. Please understand that as a security precaution, we will temporarily suspend the withdraw function for 48 hours. 


- which was all done back on XX/XX/XXXX and have gotten no response I need a new XXXX XXXX  XXXX XXXX and setup key please so I can get back into my account and access my funds. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: WI

Complaint narrative:
Over the last 7 months, I have been disputing an account from Equifax that is not my account. The account is causing me to be denied credit for a home loan. After multiple attempts for Equifax to investigate the inaccurate info on my credit report it still remains, I have also sent several letters to Equifax from the creditor showing that this account is not my responsibility and it still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have no affiliation to the recent inquiries on my credit report. The details of the inquires are outlined on a separate document that is provided.

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 2021-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This complaint is in reference to my Lowes card financed by Synchrony bank. I called Synchrony bank on XX/XX/2021 due to a statement received. I was informed by there customer service that my account has been automatically enrolled by Synchrony in paperless billing by Synchrony. This was unauthorized by me and I was not notified of the change of billing nor were I given options to decline this service. The phone representative informed me that I was notified by email which was not received or read by my self. This is an unauthorized sales/service practice by Synchrony bank, in which they are forcing customers to electronic services with out the customers permission or knowledge. I was advised by phone that Synchrony will not provide documented proof that this Illegal activity will not negatively effect my account, Credit reporting and that interest and fees will continue to accrue on this account. This activity is Synchrony Bank 's way of obtaining additional interest income and fees from its customers and negatively affecting there customers credit and should be dealt with sever punishment. Other US banks have been through multi million dollar law suits due to Unauthorized sales and service practices and here we go again with Synchrony. I am asking for you to levy a {$400.00} executive order against Synchrony bank that is payable to me for this illegal activity to me. Further more, Synchrony bank should not be allowed to charge fees and interest on this or report any negative credit reporting. My {$400.00} complementation request is only valid for the month of XX/XX/2021. I am currently seeking a Mortgage on a home and if any negative reporting is sent to the credit bureaus about my account with Synchrony I will be obligated to increase my compensation request to {$400000.00} to {>= $1,000,000} depending on my lenders review of the updated credit 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 explanation
Consumer complaint received 2021-05-21 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: TN

Complaint narrative:
I have been submitting requests for the addresses that do not belong to me on my credit reports to be removed from Equifax, XXXX and XXXX. I have submitted dispute requests for this information to be removed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. each time the credit bureaus did not send me any dispute results or remove the addresses that do not belong to me on my credit report. 

XXXX incorrect addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX incorrect addresses are : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Equifax incorrect addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with explanation