vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have contacted Bank of America even sent documentation that I did not authorize a auto credit inquiry on XX/XX/XXXX or inquires with the bank XX/XX/XXXX or XX/XX/XXXX the bank has told me they do not know why the inquires were done and to dispute it but the credit agencies have stated that bank of America has to remove them and they can do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: CA

Complaint narrative:
I currently have a membership wit Experian credit bureau in order to keep an eye on my report, I have a credit card with XXXX XXXX XXXX bank with a balance of {$180.00} according to the statement, we are in a new billing cycle, and the billing cycle hasn't ended yet, and I have new balance reported to Experian .according to the term and disclosure of the card, the credit card will have to report to the credit bureau at the end of the each billing cycle .the new billing cycle hasn't ended yet .and my report change with a decrease of my XXXX  score, when I spoke to the bank, they were not able to gave me an answer.i called the credit bureau and I was informed that it is the bank .I brought this up to the cfpb for a resolution, I believe is Experian because, this is always happened to my car loan account, which is not up to date to. 
in a circumstance like this one what are the recommendations of the cfpb.

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 2021-06-24 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:
On XX/XX/2021 i sent a dispute letter via certified mail to Equifax with a concern of wrong information being reported on my account and to please prove to me the accuracy of this information, not only was the information inaccurate but i never gave Equifax consent to post this on my credit ... 

Code 1692g- Validation of Debts - Code 1681b- Permissible purposes of consumer reports Exhibit A.. Equifax inaccuracy report for XXXX XXXX XXXX XXXX Acct XXXX XXXX Address is wrong, Amount is wrong, Account number wrong, Exhibit B. The correct Address, The correct Amount, XXXX XXXX Account number. 
XXXX XXXX XXXX XXXX. 

I demand Equifax to remove XXXX XXXX XXXX off my credit report or face penalty by FCRA for damages and Violations..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
On XX/XX/2021, I sent a certified letter to the creditor in which this complaint is about ; asking for a debt to be validated. On XX/XX/2021 I received a response that wasn't directly addressed to my concerns. The bill I received failed to list all the information that I asked in order to validate this debt that's said to be mine. The time frames listed on the bill are passed the Alabama 's statute of limitations for debt collecting. According to the FCRA, a company isn't allowed to report a debt that has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: VI

Complaint narrative:
I know nothing about this loan. I never bought this car or made any payments. This is not my doing, I have no knowledge of this loan. My identity was stolen this account doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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:
Disputing errors on Experian credit report. For over a year, every 30 to 45 days via Certified Mail I have been attempting to fix errors on my credit report. Each time Experian does not correct the problem, and at times they add additional incorrect information to my credit report. 

Specific example : I paid in full a second mortgage with XXXX XXXX XXXX in XXXX. Experian reports that this loan was " written off ''. I disputed this. On three occasions I provided Experian with proof that Experian 's reporting is not accurate in the form of a letter I received from XXXX on their letterhead stating that the loan was paid in full in XXXX. Now, in addition to not fixing the incorrectly reported account status, Experian added that the loan was " charged off '' in XXXX and XXXX of XXXX to the payment history. When I spoke to experian, I was told that they received my letter from XXXX XXXX when the loan was paid in full -- however that Experian only reports what XXXX tells them to report. When I said there is no way XXXX added the incorrect data to my credit report, the response I got from Experian customer service ( XXXX ) was " they always blame it on us. '' Experian 's inacurate reporting has caused my credit score to plummet, the inability for me to obtain credit, and it has prevented me from obtaining housing for over a year. 

Each dispute filed with Experian monthly for over a year provides the same incompetent results. Further Experian blames XXXX for reporting the data incorrectly, shifting the burden of accuracy to XXXX. When I contact XXXX they tell me they do not report what Experian has on my credit report XXXX they report what is stated in the letter of proof I sent to Experian XXXX, and they are not reporting the loan was " written off '' nor any activity beyond 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 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc.
State: IL

Complaint narrative:
XX/XX/2021 on the XXXX I paid my XXXX $ bill 2 days before the due date. It has still not reported to my credit score like the first payment. They reported my first payment in in XXXX and added it quickly to my credit report. Im not sure if I want to pay the XXXX $ pay on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: IN

Complaint narrative:
Someone has access to my personal information and its ruining my credit by applying numerous accounts and I don't have knowledge of what or who this could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
My M & T Bank account was fraudulently charged through XXXX XXXX for {$960.00} on XX/XX/2020. I noticed it right away and called and reported the fraudulent charge to XXXX XXXX and my M & TBank. I had my debit card shut off and a new one sent to me. I started a claim with my bank and it was later denied. I appealed the denial at my local bank branch and that was also later denied. The Bank stated that the merchant provided proof of purchase but I in fact never made this purchase nor have I received any evidence of the proof of purchase.

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 2021-06-24 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:
he account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : I also seen TWO DIFFERENT SOCIAL SECURITY NUMBERS on my reporXXXX XXXX XXXX XXXX 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 2021-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. ( holloway collection services ) I do not recall giving permission to XXXX XXXX center for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I am a current Credit Karma money spend & savings account customer. I have been having issues assessing my funds for going on a month now. I never received a physical debit card in the mail so I have been trying to link my virtual card to XXXX XXXX & I get an error message stating it's an error on their end, so I then linked & verified my external business checking account to my CK account so I could at least access my funds that way I was able to transfer money a few times that way & my account keeps getting Frozen then unfrozen. I'm also a small business owner who was affected by Covid, I recently applied & was approved for the EIDL advance loan for {$10000.00} had it deposited into my CK account thinking it would be safe & my loan was reversed reason stating " Account Frozen '' I called CK support bcuz I was so upset not understanding why my account had a freeze on it randomly and how I lost out on {$10000.00} because of it they then want to unfreeze my account after my grant loan money was already returned this is absurd! It will randomly be unfrozen I'll try to transfer money it will say it went through and then it will return it saying that my account 's Frozen again I call them every day sometimes five times a day trying to get resolution and nothing they all say the same thing that they're going to submit a ticket and it's going to be given to the specialized team and they will mark it priority and I will hear back from somebody I never hear back from anybody! I got through to one representative about 4 or 5 days ago she told me that she was able to get a hold of someone in the specialized team they were requesting documents front and back of my ID & a current bank statement from my linked external bank account I provided those documents my account was unfrozen only to be frozen a few hours later AGAIN! NOW I HAVE BEEN CALLING FOR DAYS AND I'M NOT GETTING ANY RESOLUTION NO ONE 'S GETTING BACK TO ME NO ONE WILL GIVE ME ANY ANSWERS AND I CAN'T ACCESS MY FUNDS I AM LITERALLY BROKE RIGHT NOW I DON'T HAVE {$1.00} TO MY NAME I HAVE KIDS THAT ARE HUNGRY I HAVE BILLS THAT I HAVE TO PAY NO GAS IN MY CAR EVERY TIME I CALL THESE PEOPLE I DO NOT GET AN ANSWER AND I'M NOT GETTING ANY RESOLUTION MY ACCOUNT IS STILL FROZEN NOW THIS IS THE LONGEST THAT IT'S GONE BEING FROZEN IT'S BEEN GETTING FROZEN IF THAT MAKES SENSE BUT NOW IT'S NOT BEING UNFROZEN AT ALL I'M NOT GETTING ANY RESPONSE FROM ANYBODY! MY LIVELIHOOD 'S BEING AFFECTED MY BUSINESS HAS BEEN AFFECTED AND MY CHILDREN ARE BEING AFFECTED BY THEM NOT RESOLVING THIS ISSUE AND ALLOWING ME TO ACCESS MY FUNDS! WITH THIS COMPLAINT I'M ATTACHING SCREENSHOTS OF MY CORRESPONDENCE WITH CREDIT KARMA TO PROVE I'M NOT GETTING ANY HELP AND THIS ISN'T EVEN HALF OF THEM THERE'S TOO MANY TO SEND! I just need my money!! PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: PA

Complaint narrative:
I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

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 2021-06-25 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: PA

Complaint narrative:
I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Early warning System ( EWS ) is reporting fraud to financial institutions, which is preventing me from opening an account. I have disputed the improper verbiage with EWS, but have been unsuccessful. To my knowledge, I have not committed any fraud. Nor have I been provided any documentation from EWS or any other financial institutions stating otherwise.I have requested that EWS remove the fraud from my consumer file if they can not provide me with proof within 30 days. They have failed to do both.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
I CANT ACCESS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: AZ

Complaint narrative:
I requested Experian to verify collections as they are not mine and I am not aware of these bills. They did not send me any verification on how they verified this debt. These are not my collections and they failed to remove them off my account. 

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account 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 2021-06-25 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: TN

Complaint narrative:
I am a victim of Identity theft. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST ADVANTAGE CORPORATION
State: PR

Complaint narrative:
Wanted two birth certificates from vital Chek.In XXXX of 2020 paid {$67.00} and never received the documents.Since the documents were urgently needed I ordered them again in XX/XX/2020 this time I paid $ XXXX no documents and no refund from payment in XXXX and XXXX vital Chek via phone or email is a waste of time ( No Answer ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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:
On multiple occasions I have tried connecting with all three credit bueras to have closed and settled accounts removed from my reports. After many attempts neither of all three credit bueras removed these settled accounts from my reports. They continue to give me a hard time and trouble getting these closed XXXX balance accounts removed. They continue to hinder me by not removing these accounts. I am writting to have cfpb step in to apply all laws and regulations. If no problems are to be fix I will have to seek legal action so that my rights are not continued to be violated. have attached multiple files added to this report.

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 2021-06-25 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: AZ

Complaint narrative:
I have a so-called medical debt that was due to COVID-19 and when I try to dispute it, it tells me Ive already and it wont let me explain that it was due to Covid. And when I try to call them I get caught in a XXXX XXXX and then hung up on.

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 2021-06-25 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 submitted a complaint on XX/XX/XXXX with the cfpb against Transunion in regards to incorrect lates on my credit report. They went in and added more! My credit report is even more inaccurate. 

XXXX XXXX I was never late on XX/XX/XXXX XXXX XXXX I was never late XX/XX/XXXX XXXX  Have never done business with a company Dept of Ed/XXXX Account was in forbearance and is in good standing but reporting with lates. XXXX XXXX XXXX XXXX Never validated XXXX XXXX I was never late XX/XX/XXXX this is a closed account and was a bank error! XXXX XXXX - This account has been up to date for over 9 years and they won't respond to my request to update it.

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