vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-04 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: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX Account Info Account number XXXX I was recently looking at my Consumer report and notice that they are incorrect across the reporting agencies and for my understanding the consumers report are suppose to report accurate, timely and verifiable information. I notice that on Equifax I have exceptional payment history and the other two reports they have me as being late. Now who is telling the truth? This is embarrassing and does not meet the standards of XXXX XXXX and I say delete this inaccurate information. according to the consumers law this is inaccurate information and confusing and a detriment to my profile. I need this to be removed. I have upload the following report and they are in fact incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Since XX/XX/2020 I have been disputing with Equifax regarding an inaccurate collection account from a company called XXXX XXXX in the amount of {$3100.00}. 

I never heard or done any business dealing with this collection agency. And have never done any business dealing on XX/XX/2020 in which this collection agency is reporting when the account was open. I was also not given the right from this collection company before they reported this inaccurate collection account to validate this debt in which is a violation of under the Fair Debt Collection Practices Act ( FDCPA ). 

I have requested from both Equifax & XXXX XXXX on numerous disputes ( most recent on XX/XX/XXXX ) for proof of legal documentation with my signature that I have done business with them and owe this reported debt directly to them. All of my requests with Equifax & XXXX XXXX have come back with me receiving no response and/or proof of documentation with my signature that I owe this debt, but are reporting on my credit report that my latest dispute was resolved by data furnisher which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX Account XXXXnfo Account number XXXX I was recently looking at my Consumer report and notice that they are incorrect across the reporting agencies and for my understanding the consumers report are suppose to report accurate, timely and verifiable information. I notice that on XXXX I have exceptional payment history and the other two reports they have me as being late. Now who is telling the truth? This is embarrassing and does not meet the standards of Metro 2 and I say delete this inaccurate information. according to the consumers law this is inaccurate information and confusing and a detriment to my profile. I need this to be removed. I have upload the following report and they are in fact incorrect.

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 2021-11-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: LA

Complaint narrative:
I opened a dispute with US Bank Reliacard in XX/XX/XXXX after noticing many unauthorized transactions on my card account. These were transactions for XXXX XXXX as well as other online based transactions. I called and filed a dispute as soon as I noticed. I contacted the places of business and they gave me limited information and I was redirected back to contacting my bank. 
My dispute processed and I was given provisional credit for one unauthorized purchase only. Someone had used my card as well as other information to purchase an insurance policy from progressive. I filed a police report and also filed a report with the FTC after getting multiple alerts from credit agencies regarding my information being compromised. I also filed a police report. 
The dispute had been closed but was then reopened after I sent in the police report. After over 90 days and no provisional credit, my dispute was denied again. I contacted the XXXX XXXX XXXX and tried to get some resolution in my favor. US Bank did not give me any resolution and will not honor my dispute with these unauthorized transactions. I was also never given provisional credit after following the procedures required to be eligible. I received a letter in the mail which stated that they were denying the dispute. There was no explanation as to why this decision was made, even after requesting the information that they used to make this determination. I have wasted a lot of time on this matter and it has been extremely frustrating. I will escalate this to the appropriate parties until I get my money back that was stolen from my account. Thank you. 

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 2021-11-04 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: PA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
buy a reservation through XXXX through paypal. The reservation consisted of one night in a hotel with all-inclusive service. non-refundable in case of cancellation. When I arrived at the hotel, the electricity service was going to be suspended, due to problems according to the hotel 's management due to external problems. I ask that my money be refunded because I do not buy a service to be without access or elevator, tv, air conditioning etc. both the hotel management and XXXX refused to refund me. I had to go to another facility paying more. Then I make the claim with paypal credit showing the proofs to return my money to me because although it was not refundable, the installation was not providing the service that I had bought and covered by consumer protection. result none of the 3 gave me my money back. Is there consumer protection or not?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX  Date of inquiry XX/XX/XXXX ; XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX - CARD SERVICE Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Thank you for your inquiry. I am currently checking my files. However, I am currently unable to pay you anything at this time and therefore I must refuse to pay you. If my situation changes, I will let you know. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04 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: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

CREDITORS BUREAU USA XXXX Balance {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely.

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 2021-11-04 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: Scott Fetzer Financial Group Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Walwick, Inc
State: WA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on MERCHANTS CREDIT ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX my Citibank checking account was closed without warning. They are not giving me any access to my remaining funds that were available in the account prior to it being closed. Ive reached out every day since and they are not giving me access to my funds. They are abusing their power, refusing to problem solve and failing to take action.

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 2021-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: VA

Complaint narrative:
I am customer of Revolut USA. After heavily advertising payroll direct services to me in-app and via email, I signed up for the service. The actual XXXX XXXX providing the ACH services is XXXX XXXX XXXX in New York. 

Ever since properly setting up the payroll direct deposit to my Revolut USA account with my company ( all I had to do is enter the checking account and routing numbers on the company payroll website ), my funds have been deposited into my Revolut USA account between 1 to 5 days late. 

I work for a large corporation and direct deposit has never been an issue. I used to bank with XXXX XXXX. Without fail, payroll direct deposit funds were always available on or before the scheduled pay date, in case of that date falling on a Sunday or Holiday, and that was consistent for the last nearly 25 years. Colleagues who bank with the various large traditional XXXX XXXX tell me that they never have any payroll direct deposit issues. 

I get paid twice per month and after switching payroll direct deposit to Revolut USA in XX/XX/2021, not a single paycheck arrived on my account in time. Actual pay dates vary on an irregular basis and funds are available between 1 to 5 days late, most often between 3 and 4 days. 

The most recent example : Pay date was XX/XX/2021, a Monday and regular business day. The 3 colleagues I worked with over the weekend reported that they had the funds available in their checking accounts on Saturday, XX/XX/XXXX. That is consistent with my previous experience. 

I do not expect early payment from Revolut USA, but it is not unreasonable to expect my salary to be available on the posted day, especially after the daily marketing messages to me, advertising the reliability and especially the speed of the Revolut USA payroll direct deposit, promising funds to be available earlier than with most other banks. 

I have had several chats with the friendly Revolut USA support folks. While I appreciate them being supportive, there have been no results. I was asked to report issues with details and copies of payslips whenever this issue arises, but I don't think it is reasonable to expect the customer to provide details and copies of payslips every 2 weeks to further investigate while not a single result of any of the investigations has been communicated to me to this date. 

I have done all due research that is possible for me to do. I have contacted my payroll department several times on this and we verified that all the banking info has been entered correctly on the company payroll direct deposit web page. 

Unfortunately, there is no direct communication possible with Metropolitan Commercial Bank, which is the actual financial institution behind Revolut USA handling ACH transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-04 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: GA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have paid down the total amount due to {$0.00} in the month of XX/XX/2021. I have documented proof that the total due and pending items all read {$0.00} before the next billing period. However, the next billing statement listed for XX/XX/2021 added another {$1.00} on my billing statement and made my minimum payment {$1.00} for some reason, claiming {$1.00} in interest. How can I be charged interest on {$0.00}? This is for the account ending in XXXX. I should not owe Citibank anything for the card ending in 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 monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is regarding XXXX. I noticed ( CRAs ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and TransUnion, LLC ( the " Big Three '' ). are all reporting different information. For example, XXXX and TransUnion are reporting both my XXXX credit cards yet XXXX is only reporting history on one of my XXXX cards. XXXX is also reporting to all three bureaus bouncing back and forth between 30 to 90 days within a 12-month period with inaccuracies. All three credit bureaus are not reporting the same " charge off '' information for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX I would like to understand why the information is not identical in each credit report? The 'credit limits ' and 'credit used " amounts reporting are also extremely inaccurate which impacts my debt-to-income ratio resulting in a poor/fair score. I inquired with Trial Attorney, Consumer advocate, and Board of Directors of XXXX - XXXX XXXX about my credit report. XXXX mentioned the " Fair Credit Reporting Act Fair Credit Reporting Act ( FCRA ) to name a few and suggested going to the CFPB to obtain a fair resolution as the first step with XXXX, TransUnion, and XXXX which are 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