vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-20 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: Absolute Recovery Services, LLC
State: NV

Complaint narrative:
Me and my family no longer have our own home due to the constant credit issues. This account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account number is XXXX. I have sent disputes for investigation multiple times. But nothing has changed in regard of this account. I sent this account for investigation on XX/XX/XXXX through certified mail. It has been more than 30 days now, and my recent credit report ( XX/XX/XXXX ) still shows many inaccuracies and violations. A few being ; payment status says " paid " for XXXX but nothing for the other 2 bureaus. I have proof showing that this was paid to be deleted even though it was wrongfully charged to me. I paid it just to get housing for my family in XXXX. I will attach the receipt and tracking number from the certified mail disputes. 

I'm requesting monetary relief per violation on this account and deletion. 
U.S. code 1681n ( a ) ( 1 ) ( A ) Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
Consumer laws Protect me from this kind of Fraud this company has no standing over me no XXXX have not contracted with National Credit System Inc I want this account to be removed form my report is is causing me to be denied it is the duty of the banking systems that Fair credit reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I CONTINUE TO TRY TO DISPUTE INFORMATION, ON THE TRANSUNION WEBSITE, BUT WHEN I ASK TRANSUNION REPRESENTATIVES, AFTER GOING THROUGH THE DISPUTE PROCESS, AND UPLOADING DOCUMENTATION, IF MY DISPUTES WERE RECEIVED, TRANSUNION STATES THAT THEY DO NOT SHOW AS INITIATED OR RECEIVED. THEREFORE, TODAY, A TRANSUNION CHAT REPRESENTATIVE INITIATED THE DISPUTES, FOR ME, BUT NOW, ALL OF THE SUPPORTING INFORMATION WILL NOT BE WITHIN THE DISPUTES... SUCH AS THE INFORMATION, FOR WHICH, I NEED TO INFORM THE COMPANIES, NOR WILL THERE BE UPLOADED DOCUMENTATION, TO BE PRESENTED TO THE COMPANIES. I WILL UPLOAD THE DOCUMENTATION, UPON THE CFPB WEBSITE, WITH THIS COMPLAINT ; I NEED FOR THE COMPANIES/CREDITORS TO RECEIVE THE UPLOADED SUPPORTING DOCUMENTATION. 

THERE ARE THREE COMPANIES/CREDITORS WHICH HAVE BEEN REPORTING PAYMENTS, AS XXXX DAYS LATE, WHEN THEY HAVE NOT BEEN XXXX DAYS LATE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE BEEN REPORTING AS XXXX DAYS LATE, WHEN THE PAYMENTS WERE NOT XXXX DAYS LATE. I HAVE BEEN ATTEMPTING TO DISPUTE THE COMPANIES. FOR EXAMPLE : XXXX XXXX XXXX PAYMENTS WERE MADE ON XX/XX/XXXX, FOR XXXX PAYMENT ( BEING REPORTED AS LATE, WHEN WAS EARLY ) AND ON XX/XX/XXXX, FOR XXXX AND XXXX 'S PAYMENTS ( MADE, TOGETHER ). XXXX PAYMENT WAS LATE BUT NOT XXXX DAYS LATE, BECAUSE THE PAYMENT WAS DUE, ON XX/XX/XXXX. XX/XX/XXXX PAYMENT WAS EARLY, BECAUSE IT WAS MADE ON XX/XX/XXXX. THUS, XX/XX/2022 AND XX/XX/2022 ARE BEING REPORTED AS XXXX DAYS LATE, WHILE XX/XX/2022 PAYMENT IS BEING REPORTED AS XXXX DAYS LATE. 

XXXXXXXX XXXX XXXX  IS REPORTING XX/XX/2022, AS XXXX DAYS LATE. THE PAYMENT WAS MADE, EARLY, ON XX/XX/XXXX. XXXX 'S PAYMENT WAS MADE ON, XX/XX/XXXX, THEREFORE, THE XX/XX/XXXX PAYMENT WAS FOR XXXX PAYMENT. THEN, XXXX XXXX XXXX BEGAN MAKING MY FOLLOWING PAYMENTS, WHICH WERE BEING REPORTED AS LATE, BUT THE REPORTING WAS CORRECTED, TO REFLECT AS, " CURRENT '', FOR ALL OF THE MONTHS, IT WAS INACCURATELY REPORTING, AS LATE. IT REMAINS, ONLY XX/XX/2022, NEEDS TO BE CORRECTED.

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 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BlockFi Inc
State: WA

Complaint narrative:
I am a customer of Blockfi online digital asset service. I hold funds in Blockfi 's Wallet where funds are owned by me based on their terms of use. I receive no interest from my wallet holdings and these assets are supposed to be available for withdrawal pending a reasonable processing time. I have requested a withdrawal of my funds but have not received funds and have reason to believe that my fund 's withdrawal request is being denied in violation of the terms of use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Hello. This account XXXX  XXXX Account number : [ XXXX ] was opened by my husband for himself as reported in XX/XX/XXXX ( I'm only an authorized user ). 

However after asking that the payment history and dates be updated and corrected ( on XXXX XXXX, they have again all reported differently from all 3 bureaus. The bill has been paid by due date every month since he's gotten it. 

But, there are many violations on the credit report when comparing XXXX 's credit report to XXXX 's credit report because XXXX has completely deleted every record of having an account now according to my XX/XX/XXXX credit report pull. Which makes it a complete violation to report anything on the payment history, with no reportings showing for an account at all from that bureau. It has also been over 30 days again. 

I am aware that all XXXX bureaus must show the same reportings line-by-line on a credit report, or it's considered a violation. And According to the FCRA everything must be 100 % accurate. ( According to the CFPB bulletin on XXXX XXXX ) theres a requirement from the FCRA for CRAs to investigate all relevant information regarding a dispute. And there were XXXX things listed as requirements that has not been upheld regarding my credit safety as a consumer and citizen. 

I'm dealing with adverse affects because of my credit now because of me disputing and trying to get a fair credit investigation. My credit score has dropped a lot within the past month. And me and my family have not been able to obtain our own housing now. So the address that was on file previously is no longer ours. 

15 USC code 1681n ( a ) ( 1 ) ( A ) I'm requesting monetary relief and proper corrections to the account. 

Tracking numbers : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( Transunion ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX 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 2022-11-20 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Hello. This account XXXX  XXXX Account number : [ XXXX ] was opened by my husband for himself as reported in XX/XX/XXXX ( I'm only an authorized user ). 

However after asking that the payment history and dates be updated and corrected ( on XXXX XXXX, they have again all reported differently from all XXXX bureaus. The bill has been paid by due date every month since he's gotten it. 

But, there are many violations on the credit report when comparing XXXX 's credit report to XXXX 's credit report because XXXX has completely deleted every record of having an account now according to my XX/XX/XXXX credit report pull. Which makes it a complete violation to report anything on the payment history, with no reportings showing for an account at all from that bureau. It has also been over 30 days again. 

I am aware that all 3 bureaus must show the same reportings line-by-line on a credit report, or it's considered a violation. And According to the FCRA everything must be 100 % accurate. ( According to the CFPB bulletin on XXXX XXXX ) theres a requirement from the FCRA for CRAs to investigate all relevant information regarding a dispute. And there were XXXX things listed as requirements that has not been upheld regarding my credit safety as a consumer and citizen. 

I'm dealing with adverse affects because of my credit now because of me disputing and trying to get a fair credit investigation. My credit score has dropped a lot within the past month. And me and my family have not been able to obtain our own housing now. So the address that was on file previously is no longer ours. 

15 USC code 1681n ( a ) ( 1 ) ( A ) I'm requesting monetary relief and proper corrections to the account. 

Tracking numbers : XXXX XXXX XXXX XXXX XXXX ( Equifax ) XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: NV

Complaint narrative:
Hello. This account XXXX  XXXX Account number : [ XXXX ] was opened by my husband for himself as reported in XX/XX/XXXX ( I'm only an authorized user ). 

However after asking that the payment history and dates be updated and corrected ( on XXXX XXXX, they have again all reported differently from all XXXX bureaus. The bill has been paid by due date every month since he's gotten it. 

But, there are many violations on the credit report when comparing XXXX 's credit report to XXXX 's credit report because Experian has completely deleted every record of having an account now according to my XX/XX/XXXX credit report pull. Which makes it a complete violation to report anything on the payment history, with no reportings showing for an account at all from that bureau. It has also been over 30 days again. 

I am aware that all XXXX bureaus must show the same reportings line-by-line on a credit report, or it's considered a violation. And According to the FCRA everything must be 100 % accurate. ( According to the CFPB bulletin on XXXX XXXX ) theres a requirement from the FCRA for CRAs to investigate all relevant information regarding a dispute. And there were XXXX things listed as requirements that has not been upheld regarding my credit safety as a consumer and citizen. 

I'm dealing with adverse affects because of my credit now because of me disputing and trying to get a fair credit investigation. My credit score has dropped a lot within the past month. And me and my family have not been able to obtain our own housing now. So the address that was on file previously is no longer ours. 

15 USC code 1681n ( a ) ( 1 ) ( A ) I'm requesting monetary relief and proper corrections to the account. 

Tracking numbers : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX ( Experian )

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 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My name is XXXX. 
I feel frustrated because I don't understand why my account has been limited without any reason. 

XXXX XXXX. 

I don't have any dispute on my account. 
I just received {$1.00} XXXX  from family and friend and after payment the system place the limitation. 

I do not associate with nothing ilegal. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
The XXXX XXXX XXXXXXXX I sent a payment of almost {$1000.00} to Comenity Bank to pay off my credit card. When I check XXXX weeks later the payment still hadn't posted. I've been checking daily because it's such a large sum. It's still not posted though the funds have been removed from my account. The first time I called I was told they hadn't received my payment and I should make the payment by phone. I already sent a payment I'm not paying double. The last time I called, when I was speaking with the gentleman, he just hung up on me. Until Comenity Bank took over the XXXX credit cards there were no issues. Comenity Bank is a garbage institution I believe deliberately holds back payment so they can charge their customers a late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-20 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-20 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: CITIBANK, N.A.
State: TX

Complaint narrative:
CBNA is reporting 60 day late payments on XXXX and XXXX for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

During this time period I was dealing with medical issues as well as contracting XXXX in XX/XX/XXXX, which was the cause of my late payments. 

I ask that these late payments be removed from my credit report. 

CBNA did an investigation and agreed that the late payments were accurate. I'm not disputing the accuracy of the late payments. I'm asking for them to be removed because they were caused due to illnesses out of my control, including 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 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BlockFi Inc
State: AL

Complaint narrative:
I have a crypto wallet with Blockfi and Blockfi has stopped my ability to withdraw funds. The amount of XXXX  is about {$7000.00} ( amount goes up and down according to market ). I don't get involved with Blockfi loans, I only have an interest account with them. My account had nothing to do with Blockfi involvement with XXXX! ... Thanks for your help! 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion are reporting negative information that I never consented to this defamation of Character. Remove these from my report 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 non-monetary relief
Consumer complaint received 2022-11-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
Fair Collections & Outsourcing , Inc. is in violation of the Fair Debt Collections Act ( FDCA ) and has been calling me without my permissible purpose, according to Title 15 USC 1692b ( 2 ) and Title 15 USC 1692b ( 5 ). I attached a letter with the remedies.

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 2022-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX MI XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX OF XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Affidavit of truth On or about XX/XX/2022 at XXXXXXXX XXXX I went on EXPERIAN website to see if there were any corrections of error on my consumer credit profile and they have refused to update my information correctly there should only be one name which is XXXX XXXX XXXX and no others. There should only be one address and that is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  } and I am no longer associated with any other address and only one email which is XXXX. And they have refused to update this information correctly and not only that they are willfully committing aggravated identity theft against my persons because according to 15 USC 1681b ( a ) in general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances AND NO OTHER ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I NEVER GAVE THEM WRITTEN CONSENT TO REPORT MY PERSONAL PRIVATE INFORMATION. And theyre deceitfully reporting late payments on my student loans which are more than seven years of age pursuant to 15 USC 1666 ( a ) Time to make payment A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,

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 2022-11-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting negative item on my consumer file without consent from me. I am requesting to remove this negative information from my report immediately this is DEFAMATION OF CHARACTER.

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