vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I was informed that I have no access to my money. The Bluebird American Express prepaid card never sent me a replacement card, after my card expired. As a result, I have no access to my funds for emergency use. It is my ( the customer 's money ). Perhaps the Bluebird American Express policies and practices need to be investigated. It's like they are locking the customer 's money. I should be able to transfer for an emergency use, I don't think this company wants negative TV media attention or a congressional leader to call them out. I take this very serious as it involves a lot of money tied to this card. I did a search and see that ( XXXX XXXX ) is the CEO of American Express. Perhaps he needs to be contacted about this matter, prior to me taking further steps to access my money. I've been a bluebird American Express customer for a very long time. I also provided them with the USPS updated address XXXX XXXX XXXX, XXXX NJ XXXX. Please attempt to resolve this matter, since I am unable to access my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ

Complaint narrative:
XXXX claimed that I owed them money after my account was closed. They sent a debt collection agency after me months ago. I provided them with all the paperwork which showed that XXXX actually owed me money. Once they did not contact me anymore, I assumed the matter was settled. Now I received a new letter from a new collection agency, once again stating that I owed money. I tired to call XXXX but they said they have nothing to do with it once it is turned over to the agency and I have to deal with them. I do not understand why I have to continue to have to deal with another agency once I settled everything with the first one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital one is reporting an inaccurate account on my credit report. I sent them a notarized certified letter on XX/XX/22 at XXXX letting them know that they are re

porting inaccurate information on my credit report. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. They are reporting the account as a Collection/Chargeoff it can't be both. its either a collection or charge off. if its a charge off i never received my 1099c for this account. The IRS clearly defines a charg
e off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reportin

g of this account inaccurate! By Definition the IRS Clearly says a Cancelled or Charge Off is income. The reporting of this account as a debt is in accurate. 15USC 1681 s-2 says Capital One company are a furnisher of information to consumer reporting age ncy. Capital one is PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 U.S code 1681 s-2 ( a ) ( 1 ) ( A
) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The lender must fi

le form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial, credit union , federal government agency, or other applicable entity as discussed in chapter 1 The above paragraph is taken directly from the IRS publication . 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibitio
n ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the ad

dress specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that are reporting Inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is clear violation of the law 15 US code 1681 s-2 of your re sponsibilities as furnisher of information. CAPITAL ONE SENT ME THIS LETTER BACK SAYING ITS THE CREDIT AGENCIES ARE REPORTING THIS ACCOUNT. NOT TRUE IT'S CAPITAL ONE TELL THEM TO REPORT THIS INACCURATE ACCOUNT TO MY CREDIT REPORT
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
on XXXX went on line to start a bright checking account with turist bank, i provided my personal information how long at address- full name-address-tel # - e-mail address ssi # went to click on next step came up in error code # XXXX cant verify idenity therefore i called and left a voice mail message for XXXX XXXX, ( XXXX ) XXXX same day, no response from him as of today XX/XX/22 regarding to finish the application, regarding my personal information at turist bank is at risk, for online application signed and dated XXXX XXXX XX/XX/22

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 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I applied for credit and was denied, my denial letter is proof I was discriminated against. Barclays should recitify this affair and compensate me for the use of social security number. Otherwise this would be considered unauthorized use as I have received no benefit.

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 2022-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
If this is a prior bill, it's already been paid. I show in my bank account paying this institution. I never received any bill for this or anything saying I had an overdue bill. I never received anything like this because I don't owe anything. My online account at this institution shows a balance owed of {$0.00}. This company is preying on people to get monies that aren't owed. The date of the service is XX/XX/2020 from XXXX University XXXX XXXX and the debt is {$250.00}.

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 2022-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XX/XX/2022, I received a letter from I.C. System Inc.requesting {$270.00} for a past due balance. 
This is fraud. I do not use XXXX for anything. I do not have any outstanding bills.

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 2022-03-07 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: AZ

Complaint narrative:
I have multiple accounts showing wrong information like dates of activity, dates accounts were opened are wrong. The last payment dates are incorrect between the bureaus, missing or mismatching verification dates, some say open with one bureau and closed with another when they're both closed and paid. I've disputed these accounts with all 3 multiple times and my requests to have them removed have been ignored. I have no accounts with XXXX XXXX either, I've never spoken to them. I'd like these accounts removed from my credit reports. The following accounts that have been ignored when requested to be removed for inaccurate information are : XXXX - I've disputed that under the Cares Act that late payments for mortgage were forgiven from XXXX and those corrections have been ignored every time as well. 
XXXX XXXX XXXX # XXXX PXXXX 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 non-monetary relief
Consumer complaint received 2022-03-07 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: AZ

Complaint narrative:
I have multiple accounts showing wrong information like dates of activity, dates accounts were opened are wrong. The last payment dates are incorrect between the bureaus, missing or mismatching verification dates, some say open with one bureau and closed with another when they're both closed and paid. I've disputed these accounts with all XXXX multiple times and my requests to have them removed have been ignored. I have no accounts with XXXX XXXX either, I've never spoken to them. I'd like these accounts removed from my credit reports. The following accounts that have been ignored when requested to be removed for inaccurate information are : XXXX - I've disputed that under the Cares Act that late payments for mortgage were forgiven from XXXX and those corrections have been ignored every time as well. 
XXXX XXXX XXXX # XXXX XXXX XXXXy # XXXX XXXX XXXXy # XXXX XXXX XXXX # XXXX XXXXXXXXo # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I noticed unauthorized inquiries on my credit report & noticed someone applied for something in my name. 
According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 

TRANSUNION : XXXX XXXX XXXX ( Bank ) XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX : XXXX XXXX- XX/XX/2021 XXXX XXXX - XX/XX/2021 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 2022-03-07 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: MD

Complaint narrative:
Just filing a report stating that i have placed a secuity feezd with all 3 credit burers as someone have my social security number. I am not sure if this stems from 5 yearsvago when icwas robbed and they took my social and tried to open a XXXX account/service in my name or if it was the dark web where my social has been exposed as stated by vredit wise from XXXX XXXXXXXX credit csrd. Experian also stated it was exposed in a sata breach with XXXX in XX/XX/2021. As a not i do not and have no ever had an account eith 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 2022-03-07 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: GA

Complaint narrative:
Over the last two years, my wife and I have gone through serious financial struggles. We ended up going with a XXXX XXXX XXXX after trying to get help from our creditors to no avail. The credit counseling company helped us negotiate reasonable payments, stop late fees, and hold interest rates. Before this could happen we were late on bills for a few months. For XXXX XXXX years, we made payments to the credit counseling company and they sent the payments on our behalf as part of the program. Now as we are coming out of being in a horrible financial place we are looking at our credit and realizing we are again being unsupported by the credit card companies and now even Experian, XXXX, and XXXX XXXX. One of the companies that we have struggled with is XXXX XXXX. We started making payments in XXXX through XXXX XXXX to XXXX. We paid XXXX completely off in XXXX of XXXX. We have sent copies of the canceled checks to XXXX Credit Cards and well as to Experian, XXXX, and XXXX. The credit reporting agencies have responded that they believe the reported information to be accurate. How can that be with canceled checks to show payment but 65 late marks on our credit? On XX/XX/XXXX, we sXXXX XXXX XXXX XXXX XXXX XXXX again sending all of the copies of checks, this time noting as they requested exactly what we thought was the error. We have yet to get a response. This is not 30 days ago. We are trying our best to recover from the financial struggles as well as begin the process of recovery. We just can not seem to get help, guidance, or answers for either XXXXXXXX XXXX  or the three credit reporting agencies why this can not happen. We made our first dispute on XX/XX/XXXX, online, we followed that up with a letter of dispute to the three credit agencies on XX/XX/XXXX. We received a letter back saying that they did not have sufficient evidence to investigate. It was at this time that we copied all of the canceled checks and mailed them to both XXXXXXXX XXXX  and all three agencies. At this time we requested that XXXXXXXX XXXX send us the statements showing we were late that they did not receive payments for these months. We received a response from XXXXXXXX XXXXXXXX requesting we send them exactly what we thought was an error. We completed this and sent the copies of the canceled checks once again on XX/XX/XXXX. It is now XX/XX/XXXX and we have still not heard anything. After the third dispute to XXXX, Experian and XXXX XXXX we were once again told the found the information to be accurate. We don't understand how this is possible.

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 2022-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
Franklin Collection Service reported debts to the credit bureaus without notifying me or giving me a chance to verify the debt and/or pay it off. I contacted them concerning this. It happened again today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-07 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I had over {$5000.00} taken out of my checking account unauthorized

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 2022-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
We secured a XXXX loan through Regions bank. Upon notification from the bank that it was time to submit our reimbursement forgiveness paperwork, we properly produced and submitted a documentation required. Without receiving a single statement or document advising us as to the terms and conditions to repayment, regions began debiting large sums from our operating account without notice or any statement ( XXXX ). We repeatedly requested clarification for the withdrawals and Regions failed to provide any. We repeatedly requested clarification and statements of the account- to which Regions refused to provide or otherwise produce. We finally appeared to a branch manager 's office in XXXX XXXX XXXX to discuss the issue, where it was determined that the XXXX loan had entered a repayment process. We demanded copy of a statement of the account -- which Regions refused to provide. We demanded a reduction in the repayment terms while pending review. Regions refused. We signed documents to lower the repayment terms. Regions failed to consider it. We have now sent Regions XXXX emails and called countless times to speak with a XXXX or Regional Manager. All requests rejected. They refuse to communicate about status of loan, statement of the account, or the terms of the repayment. The company has failed to comply with our written and phone requests for a response.

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 2022-03-07 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: FL

Complaint narrative:
Credit reporting bureau is reporting incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: FL

Complaint narrative:
Credit reporting bureau is reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: FL

Complaint narrative:
Credit reporting bureau is reporting incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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