vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-20 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: NY

Complaint narrative:
On XX/XX/XXXX. I finished paying off my car loan loan to XXXX XXXX XXXX. After I received the paid in full letter and the title for the vehicle. XXXX XXXX XXXX continued to call me demanding additional money. After I paid my car loan off in full. The amount representative from XXXX XXXX XXXX demanded was {$1400.00}. When I refused XXXX XXXX XXXX started to put false information on my credit report. They stated that the {$1400.00} was a " charge off ''. On or about XX/XX/XXXX. I notified the State Of New York XXXX Of The Attorney General, file # XXXX to step in. An help resolve the matter. After a brief investigation XXXX XXXX XXXX admitted that I showed proof of payment. However they refused to stop falsely reporting too all three credit reporting agencies. XXXX XXXX XXXX has severally damaged my credit for the past three years and still continues too do so. They attempted to extort me of funds and have damaged my reputation. They have caused me great lose and the ability to purchase a new home, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: NY

Complaint narrative:
On XX/XX/XXXX. I finished paying off my car loan loan to XXXX XXXX XXXX. After I received the paid in full letter and the title for the vehicle. XXXX XXXX XXXX continued to call me demanding additional money. After I paid my car loan off in full. The amount representative from XXXX XXXX XXXX demanded was {$1400.00}. When I refused XXXX XXXX XXXX started to put false information on my credit report. They stated that the {$1400.00} was a " charge off ''. On or about XX/XX/XXXX. I notified the State Of New York Office Of The Attorney General, file # XXXX to step in. An help resolve the matter. After a brief investigation XXXX XXXX XXXX admitted that I showed proof of payment. However they refused to stop falsely reporting too all three credit reporting agencies. XXXX XXXX XXXX has severally damaged my credit for the past three years and still continues too do so. They attempted to extort me of funds and have damaged my reputation. They have caused me great lose and the ability to purchase a new home, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have 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 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Synovus Bank
State: NM

Complaint narrative:
I applied for the First Progress secured credit card on XX/XX/2021. I was told that I was approved and that I needed to either make a {$2000.00} dollar deposit or send {$29.00} for them to process the card and then after I receive it then make the deposit. I decided to pay the {$29.00} After three weeks of not receiving my card I contacted First Progress to find out about the status of my card and ask why I did not received it yet. The customer representative told me that the reason was that I needed to send a copy of my drivers license and a copy of a utility bill, to which I said that I was ready to do. I asked if I should email the documents or send them by regular mail. The customer representative told me that I had to fax them, however she stated that it was to late already and that I needed to re-apply and paid an extra {$29.00} I asked to speak with a Manager since I felt that what was going on was totally unfair. I spoke to a Manager and explained the issue. He told me that in deed I had to reapply and pay an extra {$29.00}, which I told him it was absolutely absurd. First, they never told me about the extra paperwork and second they wanted me to pay more money. I mentioned to the Manager that it stated in their fine print that if I was to be denied for whatever reason I would get my money back. He said : Im sorry, but if you want your card you have to re-apply and pay an extra {$29.00} Totally unfair. This people are thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: AZ

Complaint narrative:
HELLO, I HAVE SUBMITTED NUMEROUS COMPLAINTS REGARDING INACCURATELY REPORTING PAYMENT INFORMATION REGARDING MY XXXX XXXX  CREDIT CARD ACCOUNT TO XXXX AND TRANSUNION. I HAVE A 30 DAY LATE PAYMENT REPORTING ON XX/XX/2020 AND I WAS NEVER LATE XX/XX/2020. I CONFIRMED WITH XXXX XXXX ON THE PHONE THAT I WAS INFACT NEVER LATE XX/XX/2020 AND FOR BOTH REPORTING AGENCIES THEY ARE SHOWING 30 DAY LATE PAYMENTS. 

XXXX REMOVED THE LATE PAYMENT BUT TRANSUNION AND XXXX HAS 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 2021-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TN

Complaint narrative:
My loan was purchased by Loancare , LLC from XXXX in XXXX. XXXX sent me a letter with the new loan number attached. I made my payment via online banking to the provided new account number on the payment due date XX/XX/2021. Unfortunately the account number provided by XXXX was incorrect. On the XXXX, I inquired as to why my payment had not yet posted. I filed research request adding the correspondence I had received and providing the loan payment amount as well as the date and how it was sent. I have spent countless hours and several attempts to resolve this non posting of my payment by presenting copies of my bill payment and processing and as of yet still have no resolution. The company provides no direct person to speak with and I feel I am going in circles. By tomorrow I will need to make a duplicate payment to ensure I have no long term credit damage from this event. This will put a financial burden on my family as a double house payment is not an easy thing to deal with.

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 2021-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC
State: IN

Complaint narrative:
I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: DC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXXXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX XXXX  XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I already have a complaint out against Bank of America about excessive NSF and overdraft fees but realized they are doing something that is against their policy by charging me 2 and 3 times {$35.00} each time for the same transaction. This is not right and I want this fixed

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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: OK

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have 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 2021-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
On Gemini I recently purchased about {$60000.00} worth of XXXX  ( a crypto they offer for trading ), and I tried to withdraw my purchase to an external wallet in my control and I was given an authentication error using the Authy app on XX/XX/XXXX when a sitewide Authy glitch caused this withdrawal to be stuck in pending mode. A crypto transfer should only take a couple hours maximum to transfer. Gemini has been unresponsive for 4 days over this matter and only replies back to my service tickets with generic responses instead of offering a fix for my withdrawal that is stuck in pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: CA

Complaint narrative:
I am a victim of identity theft & I have a police report & identity theft report on file with all credit bureaus. This account does not belong to me. I would life this negative account removed & deleted from my credit file. Please refer to : Identity theft report # XXXX Police Report # : XXXX Police Report # : 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 2021-09-20 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: CA

Complaint narrative:
I am a victim of identity theft & I have a police report & identity theft report on file with all credit bureaus. This account does not belong to me. I would life this negative account removed & deleted from my credit file. Please refer to : Identity theft report # XXXX Police Report # : XXXX Police Report # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
I am filing this complaint because XXXX  XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: PA

Complaint narrative:
XXXX has removed the inaccurate XXXX Account from my file. Can you please do the same. 

Thank you!

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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying to purchase a house and this is becoming a heavy burden on my personal family Life.

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 2021-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I am filing this complaint because Portfolio RC has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I disputed an inquiry reporting to my Equifax file from XXXX XXXX on XX/XX/2021. Equifax has sent me several updated reports over the last few months stating that this inquiry has been removed yet it is still reporting as active on my credit files. Id like Equifax to delete this inquiry from my credit report once and for all. See attached reports from Equifax dated XX/XX/2021 and XX/XX/2021 to see how long Ive been dealing with this unresolved issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: PA

Complaint narrative:
XXXX has removed the inaccurate XXXX joint account from my husband 's file. Can you please do the same on my file please. 

Thank you!

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 2021-09-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Kohl 's Systematically makes it difficult for consumers to set up auto payment. 

They encourage late payments and delight in reporting negative information to the credit bureau. 

My credit report is fantastic except for Kohls who : 1. Deletes your auto pay when you pay the account off 2. Do not allow you to set up auto pay unless there is an outstanding balance 3. Do not attempt to contact you until they are already reporting you to the credit bureau 4. Assure you that by making the payment that you will not be reported negative and then deceive you.

Kohls has poor credit collection practices. 

Account balance was {$470.00} Minimum payment $ XXXX {$30.00} Kohls contacted me on day 31 to report that I was past due on the payment. Kohls assured me that it was not being reported to the credit bureaus and proceeded to collected the full balance. To my surprise, I look at my credit report and see that they indeed did report my account late just a few days after accepting the payment in full.

I frequently pay the card off in full. The auto-pay deactivates and then they call you on day 31 to report you didn't pay but only after they report you as 30 day past due on your credit. 

It is deceitful credit practice that can cause someone to lose 50 points on their credit score overnight.

I would like to file a formal complaint against their company and business practices. 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation