vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This account ending in XXXX does not belong to me. It is currently reporting as a charged off account. My correct account with XXXX XXXX  is in good standing. I do not know where the charged off account originated from. I demand the erroneous account information be deleted immediately. 

Thank you for your assistance with 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 non-monetary relief
Consumer complaint received 2021-03-14 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: MIDFIRST BANK
State: PA

Complaint narrative:
Hello I sold my house last XXXX this account shouldnt even show on my account. I payed the remaining balance of my mortgage loan so by law and the fair credit act this must be removed from even being showed on my account!

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 2021-03-14 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report on XX/XX/2019 and noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull 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 2021-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report on XX/XX/2019 and noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: RI

Complaint narrative:
Tried every phone number listed for Experian customer support and all bring you to automated system with no selection for speaking with a live person or choice for dispute. Also tried numbers provided by CFPB and all bring you back to same automated menu. 

Disputed the two active accounts with incorrect credit limits and incorrect remaining balances through website dispute portal over a week ago but still no changes. It appears no data has been updated in over two months although my credit providers report all information promptly. Experian shows report updated on XX/XX/XXXX but no changes and balance/credit has not been accurate for months.This is affecting my ability to get better terms on credit as accurate reporting data would bring my debt ratio down from 35 % shown to under 20 % putting me in a good credit range. 

Available credit is XXXX currently and reported as XXXX. 
Total debt is XXXX currently and reported as 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 2021-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, I closed a credit card over a year ago and paid off my remaining balance. Without my knowledge my creditor kept my account open and started charging me fees and eventually marked my card late on payment which decreased my credit score by more than 40 points.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Large banks ( including my own ) are withholding our American Recovery Act stimulus funds because the direct deposit was allegedly dated Wednesday. It doesn't matter if the funds are there, they are saying they won't be available until the XXXX of XXXX. This is outrageous. They are using our money for days to make a profit before handing it over to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: NY

Complaint narrative:
I have 2 XXXX XXXX accounts on my credit report. 

I do not owe XXXX XXXX and never have i have always paid directly through my employer. 

one of my accounts is for my child who turned XXXX in 2020 and the XXXX XXXX  case was closed. it is reporting as a charge off. 

there are no amounts or balances on these accounts and it reports as XXXX which is untrue they do not report the monthly payments I make that are not in default. 
I have disputed with the bureaus, and they say the information is accurate when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX credit card was open back in 2017 and purchase were made. XXXX Has failed to send me any statement are correspondence regarding the account I have reached out to them to them regarding not getting any information and was advise they will resend my statement and the XXXX XXXX card information still have not received anything now account is in collection and having adverse effect on my credit report I have made a payment to the collection agency but I feel it is unfair to have account in collection and 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 2021-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have XXXX child support accounts on my credit report. 

I do not owe child support and never have i have always paid directly through my employer. 

one of my accounts is for my child who turned XXXX in 2020 and the child support case was closed. it is reporting as a charge off. 

there are no amounts or balances on these accounts and it reports as XXXX which is untrue they do not report the monthly payments I make that are not in default. 
I have disputed with the bureaus, and they say the information is accurate when it is not.

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 2021-03-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have XXXX child support accounts on my credit report. 

I do not owe child support and never have i have always paid directly through my employer. 

one of my accounts is for my child who turned XXXX in 2020 and the child support case was closed. it is reporting as a charge off. 

there are no amounts or balances on these accounts and it reports as XXXX which is untrue they do not report the monthly payments I make that are not in default. 
I have disputed with the bureaus, and they say the information is accurate when it is not.

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 2021-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Carter-Young, Inc.
State: AL

Complaint narrative:
I sent Carter Young Inc. an debt of validation letter on XX/XX/2021 and XXXX XXXX, 2021. I haven't received any information about but they still reporting on my credit report every month. I ended to an pay to delete letter on XX/XX/2021 and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: PA

Complaint narrative:
Hello I sold my house last XXXX this account shouldnt even show on my account. I payed the remaining balance of my mortgage loan so by law and the fair credit act this must be removed from even being showed on my account!

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 2021-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/2021 while I was riding bicycle with my friend someone broke into my car and stole my wallet. This can be proven easily by an affidavit from him and the invoice from dealership for the repair. 

Several purchases was attempted on my Goldman Sachs XXXX ( XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX accounts. I was not even in the same city as where the charges were being attempted and I can prove this as well. 

I responded to all authorization request that was texted to me. XXXX and XXXX XXXX XXXX did not approve any transaction. 3 charges was attempted on Goldman Sachs XXXX XXXX XXXX XXXX and 1 on XXXX XXXX XXXX They were all declined except one that was approved by each bank. 

XXXX XXXX have recognized the error and have approved credit to my account. 

3 charges was attempted on Goldman Sachs XXXX XXXX XXXX XXXX XXXX. 2 charges at XXXX XXXX ( {$1500.00} & {$2400.00} ) and one at XXXX ( {$650.00} XXXX. XXXX declined the charge at XXXX and one of the charges at XXXX XXXX. But XXXX approved {$2400.00} at XXXX XXXX. WHY not decline all of them? Screen cap from XXXX card attached. 

XXXX claims that it was me who made the purchase and that is simply false and impossible. I was 30 minute drive away in a different city. 

I am not responsible for this charge hence can not pay it. Please reverse this charges and credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report on XX/XX/2019 and noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull 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 non-monetary relief
Consumer complaint received 2021-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report on XX/XX/2020 noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull 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 2021-03-14 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : JPMCB CARD that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX  that opened last XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report on XX/XX/XXXX and XX/XX/XXXX noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull 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 2021-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX : Intent to file lawsuit, No validation of debt.

Validation Letter sent to : Credit Acceptance Corporation Account # To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

Furthermore, { Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2021-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report on XX/XX/2020 noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: AL

Complaint narrative:
I sent in a follow suit letter to Experian and XXXX about the XXXX XXXX XXXX collection because XXXX removed the collection. I sent in the supporting document showing XXXX XXXX XXXX was removed from Transunion.

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 2021-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My data was breached I have received a notification that my daughter, my son, & my information have been leaked. Also that my number had been put on the dark web. I believe they have opened accounts with my identity I just dont know how to check for myself

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 2021-03-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
On XXXX XXXX, XXXX notified me that my Credit Score went from XXXX to XXXX due to incorrect reporting by XXXX XXXX XXXX, a collection agency of questionable reliability, at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX from an overdue XXXX XXXX XXXX XXXX charge for an XXXX XXXX XXXX for {$1000.00}. 
This was incurred on XXXX XXXX by a XXXX XXXX, for phone # XXXX at a private residence which is also listed as a XXXX XXXX XXXX. 
I have never had a personal account of any type with XXXX XXXX XXXX ; in addition, I hadn't lived in XXXX XXXX since XX/XX/XXXX. I have never lived at that address. All of this can be verified by my Credit History. I have an Excellent Credit Card record. I have never had a cell phone number at XXXX. 
I have done Disputes with all the 3 big Credit Reporting Services. XXXX has never contacted me in writing or by phone. I have tried to call XXXX at their listed phone # : XXXX but the phone messages are always full. I have contacted them by numerous Emails with no response to resolve. 
I have always worked hard to establish my good credit..this is a frustrating situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Received telephone call from XXXX XXXX acting as a XXXX  XXXX XXXX XXXX in XX/XX/2018. During the call i was given bank details ( XXXX, XXXX, bank address details in XXXX ). 

Following the call I went to my local XXXX branch and made the following payments to them : XXXX XXXX XXXX XXXX XXXX XXXX The following reference is showing on my bank statement XXXX XXXX XXXX XXXX. 

I have tried contacting XXXX XXXX limited without any XXXX. I'm trying to withdraw the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: A+ Loans, Inc.
State: GA

Complaint narrative:
I was told that they would delete the account and payment history because the account was paid and they were to remove from all credit reporting agencies but its showing 3 late payments which is inaccu

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