vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 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: OH

Complaint narrative:
I received an email that had the wrong SSN and wrong information with my name attached to some accounts on my credit report. The statement in XXXX wasn't made by me which makes the information is fraudulent and I demand that each account be deleted immediately. The statement in the XXXX report wrong numbers asking to verify information to me using wrong phone numbers and adding wrong SSN numbers. 
The accounts that are not mine : XXXX XXXX  XXXX, XXXX, XXXX & XXXX XXXX My correct information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: OH

Complaint narrative:
I received an email that had the wrong SSN and wrong information with my name attached to some accounts on my credit report. The statement in XXXX wasn't made by me which makes the information is fraudulent and I demand that each account be deleted immediately. The statement in the XXXX report wrong numbers asking to verify information to me using wrong phone numbers and adding wrong SSN numbers. 
The accounts that are not mine : XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX My correct information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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:
On XX/XX/2021 I certified mailed a Notarized FTC Identity Theft report, with clear legible XXXX copies of my drivers license, social security card, utility bill and a statement from me that the information is not information relating to any transaction by me to Experian. They received it on XXXX XXXX. I called today and was told by XXXX agent that my documents weren't legible, but they were being investigated by the companies I listed as fraudulent. I asked to speak with a supervisor. I was told they can't transfer calls to supervisors. She said I would receive a call back in 3 days from a supervisor. And she also said they are investigating each account. According to 15 USC 1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2021-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Company emailed me with no prior notice stating they closed my account without prior consent. They also stated the reason was because of a recent credit check which I also had not authorized.

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 2021-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
vehicle was purchased in XX/XX/2014. XXXX years of payments and the balance has not been reduced at all. Beginning balance was XXXX balance as of today 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 2021-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Transunion efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Transunion is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-12-28 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: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Experian efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Experian is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-12-28 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: CA

Complaint narrative:
1-This company called ( XXXX ) is involved in reporting erroneous information about me to experian at the status level where they write : XXXX. 
For recall, the account was settled and paid therefore the status shouldn't be charge-off anymore. 
I have attached proof of settlement and paid off on my complaint. 

2-This company ( XXXX ) is also reporting wrong address information about me.

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 2021-12-28 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: CA

Complaint narrative:
1-This company called ( XXXX ) is involved in reporting erroneous information about me to experian at the status level where they write : XXXX. 
For recall, the account was settled and paid therefore the status shouldn't be charge-off anymore. 
I have attached proof of settlement and paid off on my complaint. 

2-This company ( XXXX  ) is also reporting wrong address information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: CA

Complaint narrative:
1-This company called ( XXXX ) is involved in reporting erroneous information about me to experian at the status level where they write : XXXX. 
For recall, the account was settled and paid therefore the status shouldn't be charge-off anymore. 
I have attached proof of settlement and paid off on my complaint. 

2-This company ( XXXX ) is also reporting wrong address information about me.

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 2021-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Management Control, Inc.
State: IL

Complaint narrative:
I sent numerous letters to have this company to be removed. 

Original amount : {$530.00} Alleged past due : XXXX Theyve been hurting my credit report. As of now and then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX I received a notice in the mail from Portfolio Recovery Associates, LLC Stating that they are responding to my dispute with documents that would prove the account in question was valid. ( I have the documents attached. The documents they sent were bills and statements. This is a violation pursuant to 15 USC 1692g - Validation of debts which states the 5 requirements that validate a debt. It does not once mention a bill or statement. This is a XXXX $ violation per each action pursuant to 15 USC 1692k- Civil Liability. This company has mailed me on over XXXX different occasions after I sent them a cease and desist letter without even sending me the proper documents. That places them also in violation pursuant to 15 USC 1692c ( C ) Ceasing communication this is another XXXX $ violation. I am seeking damages because this company will not comply with federal law and it will not invoke my specific remedy to resolve this issue. Attached I have proof I sent them a cease and desist. I also have proof they sent me bills instead of the XXXX requirements under 15 USC 1692g. I also have proof that this company keeps sending me mail every month after they received a cease and desist. This company is also reporting this information to atleast XXXX other companies without my consent or proof it has been a judgment against me according to 15 USC 1681b- permissible purpose this is another violation. I have proof of cease and desist attached with the return receipts to prove they received them. They sent me letters on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all are violations XXXX $ per occasion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This evening on XX/XX/2021, I received numerous emails stating that a hard inquiry for a XXXX XXXX XXXX XXXX was made. I never applied for a credit card on this date and haven't for months. I froze all of my credit reports immediately. Any help would be greatly appreciated.

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 2021-12-28 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: NC

Complaint narrative:
I have a Bankruptcy reporting on my XXXX, Exquifax, XXXX and XXXX. 
This information that they are report is not true and they need to delete it. I have send in the letter from the US Bankruptcy Court Clerk XXXX XXXX XXXX # XXXX, XXXX, NC XXXX on XX/XX/2021 and have not received a replay or removal from the Credit Bureau listed above. The letter I received from the Courthouse states that they do not report Bankruptcies to the following Credit Bureaus and they are reporting incorrect information that is ruining my credit and chance to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: NC

Complaint narrative:
I have a Bankruptcy reporting on my XXXX, XXXX, Experian and XXXX. 
This information that they are report is not true and they need to delete it. I have send in the letter from the US Bankruptcy Court Clerk XXXX XXXX XXXX # XXXX, XXXX, NC XXXX on XX/XX/2021 and have not received a replay or removal from the Credit Bureau listed above. The letter I received from the Courthouse states that they do not report Bankruptcies to the following Credit Bureaus and they are reporting incorrect information that is ruining my credit and chance to buy a house.

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 2021-12-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a dispute letter to Equifax back in XXXX regarding these inquiries that I told them I dont recognize. I also filed a ftc report and they still ignored it, now this is hurting my chances of purchasing a home and causing me problems. All I ask is for these inquiries be deleted from my report. Not deleting these items are a violation of my rights and equifax are not following FCRA laws they are ignoring them. Please delete!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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:
I am XXXX XXXX and there is no third party involved. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
B of A ( VISA-XXXX ) new card. XXXX 1. B of A never notified me of FIRST payment due by email or post, even though I called weeks before. Mailed bill arrives XX/XX/XXXX with payment due date XXXX XXXX {$110.00} interest for late payment 2. XX/XX/XXXX call. I asked interest to be reversed or I would close account. They would not reverse fee and I closed account by phone and paid off entire balance with associate by phone. I was told I could no longer access the account on-line but it was closed so no problem. Zero  balance. I understand/ accept their business decision 3. XX/XX/XXXX I received mailed statement showing overpayment balance of - {$9900.00} with my bank account debited XX/XX/XXXX. 
4. I call, 45 minute wait. talk to two agents, one supervisor XXXX ( ID : XXXX ). I explain the situation. He states the B of A algorithms are correct and there is no problem and money will be refunded, but he can not tell me when. " B of A will not pay any interest because their processes are ok. '' 5. I ask for interest for the money B of A borrowed from my account. he says " Good Luck with that. ''

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 2021-12-28 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: FL

Complaint narrative:
I am XXXX XXXX and there is no third party involved. I am filing this compliant for misleading false reporting 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 2021-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and there is no third party involved. I am filing this compliant for misleading false reporting 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 non-monetary relief
Consumer complaint received 2021-12-28 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:
i have 2 credit card through XXXX XXXX XXXX for some reason my card ending in XXXX all 3 credit report agenceys are reporting it closed but its not closed i have spoke with XXXX XXXX customer service rep at XXXX XXXX XXXX and she has tried fixing it but its keeps reporting as closed the account is not closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: NJ

Complaint narrative:
i have 2 credit card through XXXX XXXX XXXX for some reason my card ending in XXXX all 3 credit report agenceys are reporting it closed but its not closed i have spoke with XXXX XXXX customer service rep at XXXX XXXX XXXX and she has tried fixing it but its keeps reporting as closed the account is not closed.

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 2021-12-28 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 am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. 
I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Health Ctr. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.

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 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Coinbase, Inc.
State: KS

Complaint narrative:
On the XXXX of XXXX. 
Merchant name : XXXX XXXX XXXX Date/time of transaction : XX/XX/XXXX - XXXX Transaction amount : {$280.00} Dispute amount ( must include original transaction amount ) : {$240.00} Was your physical card compromised? No Is the card still in your possession? Yes Was this a recurring payment? No Have you purchased from this merchant in the past? No Have you tried to contact the merchant to resolve? Yes What merchandise or service ( please provide a detailed description ) was ordered and when was it expected to be received? it was an ATM withdrawal and expected to receive the cash immediately but the machine only dispensed {$40.00} out of the {$280.00} that I requested. 

On the XXXX of XXXX. I received this email from XXXX XXXX ( XXXX Support ) Hello XXXX XXXX XXXX, We've completed our investigation of your dispute for the transaction of {$240.00} made on XX/XX/XXXX at XXXX XXXX XXXX. 
We're happy to inform you that the dispute has been resolved in your favor. 
The provisional credit you were given on XX/XX/XXXX for {$240.00} is now a permanent credit as a result of the ruling in your favor. 
We appreciate your business and please don't hesitate to reach out with any questions. 

For more information, see our Coinbase Card help article XXXX XXXX XXXX XXXX  Regards, Coinbase Support There was never any provisional credit issued to my account at any point in time and thats for the whole time I have had an account. I have replied to the email numerous times and get no response. I have talked on the phone and online chat with coinbase support and they tell me that they will create a ticket, escalate my concern, and other standard support agent responses that lead no where. I mean it shouldnt be that difficult for them to handle youd think. The investigation is concluded and ruled in my favor therefore why is it taking so long to credit my account and why lie about already doing so?

Company response to consumer: Closed with monetary relief