vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 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: Paramount Recovery Systems, L.P.
State: PA

Complaint narrative:
On XX/XX/2021 XXXX XXXX  add a derogatory mark in my credit report at XXXX XXXX upon further research this account was transferred/ hold and I am not longer responsible for the account, debitors credit did not verify this collection. Also there's was not written form of communication contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the fcra Portfolio recovery has violate my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: Convergent Resources, Inc.
State: PA

Complaint narrative:
On XX/XX/2021 XXXX XXXX add a derogatory mark in my credit report at XXXX XXXX upon further research this account was transferred/ hold and I am not longer responsible for the account, debitors credit did not verify this collection. Also there's was not written form of communication contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the fcra XXXX XXXX has violate my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BAM Management US Holdings Inc.
State: LA

Complaint narrative:
On XX/XX/21 I attempted to deposit {$500.00} into my Binance.us account via the XXXX app. Upon hitting submit I received an error message that said that there was a network failure. I attempted to submit the transaction a second time and again received a network failure message. I then returned to the dashboard page of the app and saw that both transactions had actually processed. I immediately attempted to contact via the only means available, a form in their help section and received a template troubleshooting email in response. All other attempts to contact the company to rectify the problem have failed or been ignored by Binance.us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ive filed an dispute in regards to the incorrect items on my credit report its been well over 30 days an I havent 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 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I found some inaccurate information on my credit report from XXXX XXXX XXXX and reached out to them and Transunion, XXXX, and XXXX  to dispute. There was an investigation done and all the collection accounts from XXXX XXXX XXXX were removed. Now they have reappeared on my credit report with the exact same inaccurate information as before.

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 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
3 consecutive times I have tried to remedy this matter with Experian. 
I have discovered inaccurate information on my Credit Report. I am demanding that you stop reporting this incorrect information immediately, or I will be left with no choice but to file a complaint with the appropriate agencies. Your actions have caused me a denial of credit, I'm being charged higher interest rates and I'm receiving very unfavorable loan terms. I am very diligent in my book-keeping and records and I am sure that the following information is inaccurate : XXXX XXXX XXXX XXXX, XXXX XXXX, MD Inaccurate information, delete it immediately By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. Also, be sure to include the name and address of the Company or individuals who were directly contacted regarding this matter. 
Thank you for your prompt attention to this matter Thank you for your prompt attention to this matter. I apologize for being so upset ; however, your mistakes are causing me immense damages. 

see attached letters

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 2021-04-21 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: TX

Complaint narrative:
I found some inaccurate information on my credit report from XXXX XXXX XXXX and reached out to them and XXXX, Equifax, and XXXX to dispute. There was an investigation done and all the collection accounts from XXXX XXXX XXXX were removed. Now they have reappeared on my credit report with the exact same inaccurate information as before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: TX

Complaint narrative:
I found some inaccurate information on my credit report from XXXX XXXX XXXX and reached out to them and XXXX, XXXX, and Experian to dispute. There was an investigation done and all the collection accounts from XXXX XXXX XXXX were removed. Now they have reappeared on my credit report with the exact same inaccurate information as before.

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 2021-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a Citibank Aadvantage Platinum Select World Elite MasterCard account XXXX # XXXX ) in XX/XX/XXXX. Their promotion promises that I would receive XXXX Bonus Miles in my Aadvantage Frequent Flyer account if I spent {$2500.00} in the first three months of account opening. On XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, I charged a total of {$2800.00} to my Citibank MasterCard. As of this date, XXXX XX/XX/XXXX, four months after opening this account, I have NOT received the XXXX Bonus Miles in my Aadvantage Frequent Flyer account. Why have the promised miles NOT been posted to my Aadvantage account? 

I have called Citibank multiple times and either not received an answer or have been placed on hold for an interminable time. My time is more valuable than 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 explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
my mother is s a XXXX year lady that lives with me in XXXX XXXX Ca and my mothers money was taken out in XXXX use her information i did let the bank know and they are denied my mother of and fraud. she did do a police report and the bank does not want to take it in consideration..

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 2021-04-21 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: TN

Complaint narrative:
Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have 2 late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them their.

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 2021-04-21 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: MI

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: IA

Complaint narrative:
Unverified collection account and unverified accounts on my credit report as well as inquiries. Ive disputed since XXXX of last year and everytime theyve said its verified as accurate with NO PROOF. Thats in violation of the FCRA and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I initially had XXXX Wells Fargo XXXX XXXX Rewards in my account. I decided to " cash out '' my points in the form of gift cards. I've attached an email from Wells Fargo that shows that I purchased gift cards for : XXXX for {$250.00}, XXXX XXXX XXXX XXXX for {$100.00}, XXXX # 1 for {$100.00}, XXXX # 2 for {$25.00}, and XXXX XXXX  for {$25.00}. 

On XX/XX/2021 I discovered that I had issues with ALL the gift cards : {$25.00} XXXX XXXX  : eGift card was never delivered or emailed to me {$250.00} XXXX : There were XXXX funds on the gift card {$100.00} XXXX XXXX XXXX XXXX : There were XXXX funds on the gift card {$100.00} XXXX # 1 : There were XXXX funds on the gift card {$25.00} XXXX # 2 : There were XXXX funds on the gift card. 

I attempted to speak to customer service representatives more than three times on XX/XX/2021 and none were able to solve the issues listed. 

I've also attached the gift card numbers which one can look to see the history that the gift cards were never loaded with the allotted amount. I've also attached a confirmation email from Wells Fargo and also a points statement that shows XXXX Wells Fargo XXXX XXXX Rewards being removed from my account to purchase the gift cards and the confirmation receipt email from Wells Fargo that shows the purchased gift cards. I don't understand why Wells Fargo would treat a customer like this ; deplorable.

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 2021-04-21 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: SC

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: TN

Complaint narrative:
Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have 2 late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them their.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: MD

Complaint narrative:
Dear Equifax : After 3 consecutive letter i am now writing to you via cfpb to request that you remove the following unauthorized inquiry ( ies ) from my credit report : Creditor : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/2019 Creditor : XXXX- XXXX XXXX  Inquiry Date : XX/XX/2019 I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided, and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: MO

Complaint narrative:
Initial CFPB complaint : XXXX XX/XX/XXXX was filed against XXXX and Equifax, XXXX is a collection agency that was contacted by XXXX XXXX XXXX XXXX for a loan that was already paid off. They ended up on my credit report anyway. 

XX/XX/XXXX response verbatim from XXXX XXXX c/o XXXX on that complaint : ... acct was received by TXXXX XX/XX/XXXX, XXXX reported paid XX/XX/XXXX ( believe he meant XXXX ) TekCollect notified XXXX  Equifax and XXXX  to DELETE this acct from this consumers credit files on XX/XX/XXXX. Today XX/XX/XXXX again notified Equifax to DELETE this acct. We have confirmed acct DELETION by XXXX and XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQUIFAX HAS NOT DELETED NOR WILL THEY REINVESTIGATE THE DISPUTE XXXX ON MY CREDIT REPORT. THIS IS A VIOLATION UNDER FCRA 15 U.S.C ss1681e ( b ) ; AND FCRA 15 U.S.C ss1681i.I HAVE REPEATEDLY TRIED SEVERAL TIMES. 
I DID MY PART. 
XXXX DID THEIR PART. 
TEK-COLLECT DID THEIR PART. 
SO AT WHAT POINT IS EQUIFAX TO BE HELD ACCOUNTABLE FOR JUST ALLOWING SOMEONES INFORMATION TO JUST SIT IDLE & FLAT OUT REFUSE TO FIX IT? ITS UNACCEPTABLE. I AM 1 OF MANY CONSUMERS THAT IS HONESTLY WORKING HARD AT REPAIRING MY CREDIT ON MY OWN, SO REPEATEDLY TRYING TO DISPUTE THE SAME THINGS IS DEFINATELY NOT OK. I DO NOT HAVE THE TIME. NOR THE PATIENCE. BUT IF ATTORNEYS NEED TO BE HIRED AT SOME POINT TO REMOVE THINGS FASTER, THEN SO BE IT. I AM TIRED LIKE MANY PEOPLE. EQUIFAX HAS HAD AMPLE OPPORTUNITY & SEVERAL NOTIFICATIONS TO DELETE DELETE DELETE DELETE THIS. WHY IS IT STILL ON MY PROFILE? I WOULD LIKE TO KNOW. I EVEN HAVE A LETTER AFTER THE LAST CFPB COMPLAINT FROM TEKCOLLECT AS PROOF & THIS IS STILL ON MY PROFILE WHY? EQUIFAX WHY? I ALWAYS HAVE AN ISSUE WITH EQUIFAX VS THE OTHER BUREAUS ON REMOVING SOMETHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
after sending 3 letters without getting a responce i am reaching out via cfpb claim I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX/XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thank you in advance.

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 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Autovest, L.L.C.
State: NC

Complaint narrative:
This first investors account on my credit they sold my legal information to auto vest. I was able to get it removed off XXXX but the company is giving me a hard time to move it off XXXX i keep disputing it over and over. It is very old. So im not able to get a vehicle anywhere to make it to doctors appointments during covid

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 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC

Complaint narrative:
This first investors account on my credit they sold my legal information to XXXX XXXX. I was able to get it removed off XXXX but the company is giving me a hard time to move it off XXXX  i keep disputing it over and over. It is very old. So im not able to get a vehicle anywhere to make it to doctors appointments during covid

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 2021-04-21 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: CA

Complaint narrative:
I sent a request for method of verification, including the completeness accuracy and appropriateness on XX/XX/2021 to Experian for an investigation they completed on XX/XX/XXXX. To date I have not received a response to this request required by law and therefore I question how they claim to have verified this error.

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