vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: FL

Complaint narrative:
As outlined in my initial dispute letter, I have reason to believe that the account is inaccurate, and I have provided documentation to support my dispute. The account in question is a charged off account with XXXX XXXX XXXX XXXX ( account number : XXXX ). According to my most recent credit report ( attached ), XXXX, XXXX, and Equifax all report different last activity dates as XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, while Equifax reports the last activity date as XX/XX/XXXX. 

Equifax also is reporting a different last payment date as can be seen in the attached current credit report. XXXX and XXXX are reporting a date of XX/XX/XXXX, while Equifax is reporting XX/XX/XXXX. Equifax clearly has information of a payment made on the account which can be seen in the additional attachment of my Equifax credit report from XX/XX/XXXX which shows in the highlighted Historical Account information a payment of {$1200.00} on the account on XX/XX/XXXX. Equifax has chosen not to properly update and report the account, but also neglect any responsibility to properly investigate my dispute and lie that the information was verified violating multiple federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank issued a credit card to somebody else using my ssn. And when I found the credit card existing, that was a lot transactions made. And theyve been mailing me letters ever since, causing me great trouble, credit score went down by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This company is reporting to the credit bureaus inaccurate information about an account that was sold to a collection but the company is still trying to collect on a debt and also reporting negative information on my credit that i have disputes numorous of times but they said they verified the debt.

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 2023-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am writing to file a complaint against Square [ Block, inc. ] for engaging in an illegal and unethical practice related to a transfer made through their platform. 

On XX/XX/, I [ XXXX XXXX XXXX made a transfer in the amount of {$18000.00} from my personal account with AlfaBank to the account of XXXX XXXX XXXX as payment under a house rental agreement. However, despite the funds being debited from my account, the recipient did not receive the funds and to this day, Square has been unlawfully withholding our funds. 

My witness and point of contact for XXXX XXXX XXXX is XXXX XXXX [ address : XXXX XXXX XXXX XXXX, XXXX, VA, XXXX - XXXX, XXXX. / phone : XXXX / email : XXXX ]. As the owner of the Square account to which the funds were transferred, XXXX XXXX has been attempting to resolve this issue with Square for over a year now. Still, despite countless points of contact with the company, Square has only provided empty promises and no satisfactory resolution. I have attached screenshots of emails with empty promises from Square, which further evidence their willful and intentional failure to act. 

Square had claimed that the funds have been blocked due to sanctions. However, the transfer occurred before sanctions officially took place [ Effective Date ( EO XXXX Directive XXXX ) : XXXX XX/XX/ ]. Furthermore, Square has attempted to engage in the unauthorized withdrawal of funds from XXXX XXXX 's personal account in the amount of the withheld funds. Both of these acts are clear violations of legal and ethical principles.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: FL

Complaint narrative:
My credit report is loaded with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting. I've tried to fix the problem with the credit reporting agencies by letting them know the information that was inaccurate in my credit report. THEY HAVE BEEN NO HELP. I WANT THIS PROBLEM FIXED. I WANT THE INACCURATE INFORMATION REMOVED FROM MY 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 2023-04-13 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: FL

Complaint narrative:
My credit report is loaded with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting. I've tried to fix the problem with the credit reporting agencies by letting them know the information that was inaccurate in my credit report. THEY HAVE BEEN NO HELP. I WANT THIS PROBLEM FIXED. I WANT THE INACCURATE INFORMATION REMOVED FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have repeatedly asked SLS to provide me with specific documents related to this illegally processed loan. Instead they inundate me with dozens of irrelevant documents, form letters and old non-related items that have no bearing on what I am asking for. Today I am hoping CFPB will assist in my Qualified Written Request ( QWR ) to obtain just One Document : A COPY OF THEIR NOTARY 'S LOGBOOK SHOWING MY SIGNATURE AND THUMBPRINT FOR THESE LOAN DOCUMENTS.

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 2023-04-13 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
It happened on XX/XX/2022, after I received a letter to purchase {$1500.00}. XXXX American Express gift cards at a XXXX XXXX to XXXX  shop it. As soon as the gift card numbers were e- mailed to the scammers, the balance went down to XXXX. I already called all the American Express ' customer service numbers I could find, wrote letters, took pictures of the gift card numbers, submitted receipts and handsigned a request for a refund but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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:
I have send letter asking the credit agencies to update my information several time now but no respond.

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 2023-04-13 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : 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 non-monetary relief
Consumer complaint received 2023-04-13 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : 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 2023-04-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: GA

Complaint narrative:
The information this debt collection agency is claiming to be mine is not accurate information.

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 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I have hit financial hardship and have emailed this company multiple times for help. I am hard of hearing and they dont provide anything other than their number. I found an email and they have gone ignored. I am requesting assistance but instead my XXXX XXXX has been hit with derogatory remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent letters to experian, XXXX and XXXX regarding a account by the name of XXXX  XXXX  Account Number XXXX this account was opened in XXXX and XXXX XXXX XXXX was opened in XX/XX/XXXX with Account Number XXXX. These 2 accounts are over 7 years old and I need them to remove them from my credit report. The bureaus have not answered my letter and they had over 30 days to answer or they had to delete the accounts.

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 2023-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: SC

Complaint narrative:
I show on my credit report an alleged debt for XXXX XXXXXXXX XXXX a company I have never worked with. The amount of the debt is showing as {$430.00}.

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 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
This involves Truist Bank, which is overseen by the FDIC. I just filed this identical complaint about Truist at the FDIC website : On XXXX, I opened a Business Checking Account with this bank, # XXXX, in response to a bonus that it was offering : open an account with a {$1500.00} or more deposit, sign up for Online Banking For Business, and receive a {$300.00} bonus within 28 days after the deposit was received. I have a credit card with Truist and I'm already enrolled in online banking. The bank received my {$1500.00} deposit on XX/XX/16. A day or 2 after I opened the account, the bank added the checking account to my online banking for the credit card. Today was the XXXX day after the bank received my {$1500.00}. Yesterday, I had an online chat with XXXX (? I'm not sure that that was her name, but it definitely started with an XXXX ) I asked her why the bonus hadn't been posted to my account yet. She told me that she would look into it. This afternoon I received an email from Truist stating that since I didn't enroll the account in Online Banking For Business, I didn't qualify for the bonus. 
Why do I have to enroll the account in Online Banking For Business? My credit card and checking account were both ALREADY enrolled in online banking. I could ALREADY transfer funds into and out of my checking account with accounts that I have with other banks. I could ALREADY make bill payments with my account, and I could ALREADY send cash to others from my account. There is NOTHING that I can't do with the online banking that I already have that I could ONLY do if I was enrolled in Online Banking For Business!! Why do I need 2 different usernames and 2 different passwords in order to log into THE SAME ACCOUNT?? If I specifically needed Online Banking For Business for some reason then Truist should have notified me of that when I opened the account rather than adding my checking account to the online banking coverage which I already had. This is bait-and-switch FRAUD.

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 2023-04-13 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
On XX/XX/2023, I received an unauthorized credit inquiry by Destiny a registered trademark of Genesis FS Card Services , Inc., without permission and without notifying me before authorizing the inquiry via phone as instructed nor did they perform their due diligence before gaining entrance to my credit report. 

XXXX Attachment 2 is regarding the second complaint about XXXX XXXX, Identity Theft collection of misrepresented information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
There are inquiries on my credit report that I did not authorize or know anything about. Most of the companies I never heard of. On XX/XX/XXXX I called all companies to ask about the inquiry on my credit reports and they stated that they did not have me in the system and that I was not a client or customer of theirs. I asked for a written form in the mail stating so and they would not comply. I then called XXXX and told them about the issue at hand. They told me that they will submit my complaints in and to wait 30 days for a response but I havent received one. Fast forward to today XX/XX/XXXX I decided to call XXXX again and they couldnt help me so they referred me to CFPB. I first called CFPB at XXXX spoke to the representative and told her what the issue was. As soon as I stated the issue, the rep hung up on me. I say that she ended the call purposely because I provided her with a call back number in case we get disconnected and she never called back. DATE : XX/XX/XXXX COMPANIES : XXXX XXXX XXXX XXXX XXXX GM Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: MARINER FINANCE, LLC
State: TN

Complaint narrative:
Within the last 6 months while using a debt relief program through clearing advantage, we came to a settlement agreement. While I upheld my end of the deal and paid them the amount we agreed upon they are still saying I owe them the remaining balance of the loan and reporting missed payments on my credit report. I have asked them to fix this and they have not responded to my emails. I have filed a dispute through experian and they told them the information they are reporting is accurate. This is dragging my credit score down and I do not know what to do. Anything you can do to help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
XXXX gave away equipment to someone without an identification. Then charged my account. I asked for surveillance video and they couldnt provide. At that time I was assured by a sprint executive that I wouldnt be charged. Now they have sold the debt to a new company and they damaged my credit report and put derogatory marks when this debt is not owed. The company name is source receivable management in XXXX NC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: McCarthy, Burgess & Wolff, Inc.
State: FL

Complaint narrative:
I received the attached attempt to collect a debt from McCarthy , Burgess & Wolff ( XXXX, Ohio ). They are attempting to collect a debt from a defunct corporation, XXXX XXXX XXXX XXXX, but THEY HAVE CHANGED THE DEBTOR NAME TO MY PERSONAL NAME. 

This is not a personal debt. This was for registered agent services for XXXX XXXX. 

I notified their client XXXX XXXX by email on XXXX XXXX, 2022, that the business closed down on XX/XX/2022. They refused to cease services. ( see attached email )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I sent money ( $ XXXX ) through XXXX which was a scam ( a down payment for a pekingese dog ) and i contacted Bank Of America to help me and few days later they sent me a letter saying they are unable to help me. So what protection to i have?

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 2023-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: ID

Complaint narrative:
Found debt on report and never opened account on the day statement and had filed fraud through XXXX XXXX and got no were so now I'm filling complaint with you.

Company response to consumer: Closed with explanation