vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 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: NV

Complaint narrative:
I have countless times to have the 3 major credit reporting bureaus to remove inaccurate information on my report. Ive submitted a affidavit with ftc and verified my identity but they still report the same thing which lowers my score and makes it impossible for me to approved for new credit. This covid 19 pandemic has made it difficult enough to obtain credit to pay bills and identity theft is at an all time high. XXXX, Transunion and XXXX  are not following the law and removing inaccurate information nor are they verifying information, please help.

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 2021-01-05 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: NV

Complaint narrative:
I have countless times to have the 3 major credit reporting bureaus to remove inaccurate information on my report. Ive submitted a affidavit with ftc and verified my identity but they still report the same thing which lowers my score and makes it impossible for me to approved for new credit. This covid 19 pandemic has made it difficult enough to obtain credit to pay bills and identity theft is at an all time high. XXXX, XXXX  and Equifax are not following the law and removing inaccurate information nor are they verifying information, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I have an account with Bank of America, the account was saying it was still open until {$2.00} was paid. Well the IRS treasury department sent a {$600.00} payment to this account and they accepted it. Well when I went to take the money out they told me I couldn't because the account was pending to be closed. They didn't offer any information into finding out how I would get this money back or if it would be sent back to treasury or if it would be sent in a check. Every one gave me a different number and I was on hold each time for several hours and never spoke to the correct person. I went to yet another bank of america and they didn't offer any more help accept call customer service. I was given the run around. No one at all tried to get me to a supervisor or anyone that could tell me about getting my money.

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 2021-01-05 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: NJ

Complaint narrative:
On XX/XX/XXXX I contacted Equifax via certified mail to dispute inaccurate information on my credit report. 
I received a copy of my credit report and found the following item ( s ) to be in error. 

XXXX XXXX XXXX {$150.00} XXXX XXXX {$710.00} XXXX XXXX XXXX {$6600.00} To date, XX/XX/XXXX, I have never received a response from Equifax about my dispute. This incorrect reporting of this false information is hurting my credit rating! It is not a accurate representation of my payment and account history. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: NJ

Complaint narrative:
Equifax is refusing to block information on my credit report I disputed, I was a victim of identity theft and provided my identity theft report via the financial trade commission and a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: NV

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days later, and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted promptly. I demand these accounts be deleted immediately, or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax  data breach, and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: IL

Complaint narrative:
I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report XXXX XXXX XXXX, Now I have discovered that the item has been reinserted on my credit report.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX.

Please govern yourself accordingly.

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 2021-01-05 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: Account Resolution Corporation
State: IL

Complaint narrative:
On XXXX XXXX a derogatory mark was added on my credit report per XXXX XXXX from Account Resolution Corporation and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX Images for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I was supposed to close on a real estate transaction. I called Citibank to see if I could initiate the wire transfer for my down payment over the phone. Given the size of the downpayment, it did not seem likely it would go through online. I was told that there was no way to do this on the phone, but that I would have to use their app. 

Per their guidance, I submitted the transfer for $ XXXX dollars on the app. I then left my phone for a moment, and when I returned, I had missed a call from Citibank 's fraud department. The messaged asked me to contact their fraud department to confirm the authenticity of the transaction. 

I attempted to call back the number they provided - to no avail. I would sit on hold for 15 minutes, then the line would cut off, and I would have to call all over again and sit in line. I tried any and every number I could find ; but all of them ended in this dead end of a long hold time that would eventually just terminate.

After THREE HOURS of holding, re-dialing, holding again, etc, I was finally able to get through to someone, who then informed me the wire transfer had been canceled, and I would have to start over again. 

So, I started the wire transfer process again. I received no phone call from them to verify or confirm. It has been six hours since I initiated the 2nd transfer. The hundreds of thousands of dollars have left my account, but are in a " hold ''. I called again and when I finally got in touch with someone, they told me it was under review, and there was nothing they could do. 24-48 hours. 

It is likely that I will now miss my closing date because of the neglect of Citibank. I lost my entire work day sitting on hold. I still have no idea what is happening with my funds, and there is NO ONE to talk to. This is paramount to fraud, and I intend on closing my account as soon as I can get this sorted out.

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 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MD

Complaint narrative:
Hello XX/XX/XXXX I went to log into my chime account, an i got a notice YIKES my bank account has been suspended XX/XX/XXXX After finding out about my account being suspended i contacted Chime fast an i was told to email them documents i did that that i get a automated email stating thank you for reaching some one will get back with you as soon as possible. 
XX/XX/XXXX I sent more emails I called plenty of times whole a lot of times an was told the same thing i have to wait until support team get in touch with me. 
XX/XX/XXXX I'm XXXX at this point cause my paycheck just went into my account that morning i called an asked if their was a direct deposit an a chime member said Yes but being tho my bank account is suspended your dd went back to your employer please allow 1-3 business days for your employer to get, so now my rent is due an my utilities are due pass due i have no food an i have no gas money i have to switch banks on top of that my Stimulus check was suppose to get deposit into this account as well i just want to know where are direct deposits an how long is it gon na take for me to get my money? I don't want the bank account after that i don't want to deal with chime no longer dealing with chime will have your life a mess a reck an then some I will never in my life deal with chime again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I contracted XXXX on XX/XX/XXXX. By XX/XX/XXXX I was admitted into the hospital. I am very lucky to be alive as I suffered from XXXX for my whole life. I was eventually released from the hospital and sent home for XXXX  I was out for 60 days and lost my job. I had a reoccurring payment returned for insufficient funds on XX/XX/2020. I wasn't made aware of the insufficient funds payment when it happened otherwise I would have had someone deposit for me. Having said this I contacted BMO and explained to them the situation on XX/XX/2020, caught the payment current and requested a Goodwill Adjustment due to extenuating circumstances caused by Covid 19, the pandemic. They told me over the phone it would be no problem. I recieved a response back from BMO on XX/XX/2020 denying my request. I then disputed it with XXXX XXXX, and XXXX and was also denied because they said BMO verified the account. Having said this, I am requesting that the account 's late payment be updated to current under The Hereos Act Section 110401.

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 2021-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I contacted Transunion on XXXX/XXXX/XX/XX/XXXX to dispute and request a investigation into incorrect accounts on my credit reports. 
I received a copy of my credit report and found the following items to be in error. 

XXXX XXXX XXXX # XXXX $ XXXX This account does not belong to me. Please REMOVE XXXX XXXX XXXX $ XXXX This account does not belong to me. Please REMOVE Transunion never investigated my dispute and its been almost 2 months and I have not received any investigation results.

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 2021-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: MA

Complaint narrative:
I have received my credit report from XXXX. I am copying/attaching the detail of report below : CONTRACT CALLERS INC XXXX {$120.00} - - - AddressXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX Date OpenedXXXX ResponsibilityIndividual Account Account TypeOpen Account Loan TypeCOLLECTION AGENCY/ATTORNEY Date UpdatedXXXX High Balance {$120.00} Original CreditorXXXX XXXX XXXX  XXXX Past Due {$120.00} Pay Status>In Collection< Estimated month and year this item will be removedXXXX Please note that the Collection Agency has not contacted me regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I paid my car note off successfully and XX/XX/XXXX will not remove this off of my credit report. It should be paid, closed and removed off of my account. I created a dispute and they advised it is to remain which doesnt make any sense. Can you please look into expediting and having them remove this off of the 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 2021-01-05 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: OR

Complaint narrative:
I have tried for months to get discover to charge back a {$6900.00}. I have supplied them with all the evidence I have that proves I did not authorize the use of my credit card. The merchant sent them a copy of a receipt that shows alterations to the original receipt, I have provided them with the REAL receipt but they still refuse my dispute>

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: OK

Complaint narrative:
XX/XX/XXXXXXXX Potentially Negative Status Account charged off. {$12000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Account Type Auto Loan Balance {$13000.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute DEPT OF VETERANS AFFAIRS XXXX Potentially Negative Status Paid, Closed. 
Account Type Government Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor DEPT OF VETERANS AFFAIRS XXXX Potentially Negative Status Paid, Closed. 
Account Type Government Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$790.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$790.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XX/XX/XXXX XXXX XX/XX/XXXX Dispute XX/XX/XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Auto Loan Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute < -- - ALL ACCOUNTS LISTED ABOVE ARE NOT MINE. 
-- -- -- -- -- -- -- -- -- -- XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX -- - ALL OF THESE COMPANIES LISTED, I DO NOT WORK THERE. 

-- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX XXXX < -- - ALL OF THESE ADDRESSES DO NOT BELONG TO ME. 

-- -- -- -- -- -- -- -- -- -- - ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX < -- - ALL OF THESE PHONE NUMBERS ARE NOT MINE. 


-- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - ALL OF THESE NAMES ARE INCORRECT.

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 2021-01-05 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: IL

Complaint narrative:
I paid my car note off successfully and Experian will not remove this off of my credit report. It should be paid, closed and removed off of my account. I created a dispute and they advised it is to remain which doesnt make any sense. Can you please look into expediting and having them remove this off of the 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 2021-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I would like to have the inquires in my credit report removed. They have served its purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX Closed XXXX Closed Letters were sent for all accounts XX/XX/2020 and no response was given from the bureaus within the 30 days in regards to the letters sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: ATG Credit, LLC
State: IL

Complaint narrative:
On XXXX XXXX a derogatory mark was added on my credit report per XXXX XXXX from ATG CREDIT and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXXXX/XX/XXXXXXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation