vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-12 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: UT

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: NY

Complaint narrative:
Please see letter attached

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 2020-06-12 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: CarMax, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX, IL XXXX XXXX RE : XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Lastly, I logged on CarMax to get Pre-Approved and next thing I know I had 3 inquiries. Nowhere does it say when getting pre approved that they're going to pull your credit. It wasn't until I started getting the notifications did I realize that my credit was being pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase issued a 1099K to a person, when all the funds were withdrawn into an LLC where the person is not an owner. The LLC paid taxes on the earnings, but does not have the 1099K. I have contacted Coinbase repeatedly over the last 6 months and they have offered zero help or resolution. I have requested they cancel the 1099k issued to the person, and instead, generate one in the name of the LLC that received the funds and paid the taxes on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I applied XXXX XXXX XXXX XXXX from American Express on XXXX XXXX this year ( XXXX XXXX and they gave me an new launch offer. With this offer, I can earn XXXX XXXX Bonus Miles after spending {$3000.00} in purchases on my new card in my first three months of Card Membership. And I can earn XXXX Bonus Miles after my first anniversary of Card Membership. I completed the purchase of {$3000.00} on XXXX. XXXX this year XXXX XXXX ) and it was within the time limit which is three months. I still have NOT received XXXX Bonus Miles now. 
I have contacted American Express via both message and phone call on XXXX. XXXX XXXX and they told me that my bonus was declined but didn't give me any certain reason. The message told me the reason might be I had opened Hilton Honors Aspire Card   from American Express and this was partner card with XXXX XXXX XXXX XXXX   And the phone call told me he would contact manager to give me certain reason. However I still have not heard back from American Express today XXXX XX/XX/XXXX XXXX. I have read the terms of card offer again and didn't find any reason that may cancel my bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: AR

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my 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 2020-06-12 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: AR

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
My XX/XX/XXXX credit score plunged 40 pts due to payment status changed to ( negative past 180 days for the period of over a year ) on Credit Acceptance reporting. Within a week I disputed with XXXX, XXXX, and Credit Acceptance including a copy XXXX  report from both bureaus of on-time payments for the negative days recently reported. Credit Acceptance has been on-going with consistently changing to inaccurate information. XXXX has corrected information accordingly however, my XXXX report remains the same ; Dispute dates with both bureaus are XX/XX/XXXX and XX/XX/XXXX. Additional incorrect information on reporting as follows : REMARK added regarding late payments, Payment status, balance due and initial open date. My main concern at this point is the negative remark and invalid late payments reported. Balance due of {$450.00} increased by {$240.00} on XX/XX/XXXX, after receiving the previous dispute. I guess this was a retaliation? I refused to pay the {$450.00} because it was paid by XXXX XXXX XXXX, after an accident and the remainder balance was covered by GAP. 
Note : other documentation is available upon request and has been submitted to bureaus and debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: UT

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2020-06-12 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: UT

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX  partial account number ***XXXX  ( Please see page attached from my credit. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2020-06-12 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX XXXX XXXX {$160.00} XXXX  XXXX {$53.00}

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 2020-06-12 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: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts open that I have never open. I then started to investigate and pulled my credit to check what all had been open. there are way too many fraudulent accounts open that I am near familiar with. These accountsare not mine. Please remove them. 

XXXX XXXX {$2800.00} XXXX XXXX XXXX {$3100.00} XXXX  XXXX {$140.00} XXXX  XXXX {$1300.00} XXXX XXXX  XXXX {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts open that I have never open. I then started to investigate and pulled my credit to check what all had been open. there are way too many fraudulent accounts open that I am near familiar with. These accountsare not mine. Please remove them. 

XXXX XXXX {$2800.00} XXXX XXXX XXXX {$3100.00} XXXX XXXX {$140.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$800.00}

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 2020-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have been using this account for a few years and always made my payments on time but until my wife had health issues I would contact the company and paid immediately after due date to include paid late fees. This account never went past 30 days. The letter identified my open accounts and based on my credit score. My concern is until all credit reporting disputes are investigated and completed from all three credit bureaus an account with a good customer should not be closed.

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 2020-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
I am writting to report multiple violations to my rights as a consumer. The account information : The Bureaus INC : XXXX, original balance {$9800.00}. 

The Bureaus Inc has committed multiple violations : 1. Re-aging account : Account has been re-aged for sure, went to collection in XXXX and. showing fall off year of XXXX, meaning 7 year started from when the item was given to collection and not original charge-off date Unfair business practices. 
2. Incorrect last activity date.

3. Incorrect last payment date.

4. Breach of contract 5. Negligence I am demanding a deletion letter, this item must be removed from my report. 

This situation is overwhelming for me. I cant wait too long to get this matter solved. Please send me a response asap. 

CFPB : Please send the attached documents to the company. 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: FL

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$8800.00}

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 2020-06-12 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: ENOVA INTERNATIONAL, INC.
State: UT

Complaint narrative:
NC Financial is reporting a XX/XX/2020 late on my credit file. This late is reporting in error. Due to Covid-19 I applied for the hardship program, and was never late. I've had an account or a really long time and have never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
I was turned down to refinance my home today because of a recent delinquency reporting on my credit report from Ford Credit in the month of XX/XX/2020. They are claiming to not have received my payment that was sent to them electronically on XX/XX/2020. I did make this payment from my XXXX XXXX  online Bill Payment ( Please see attached bank statement and proof of payment ). Ford Credit never credited my account for this payment which was the payment in the amount of {$750.00} that was on XX/XX/2020. Ford claims they never received the payment but I definitely sent it and have proof attached. I informed XXXX in XX/XX/2020 that it was never credited to my account with Ford Credit so they filed a dispute to recover the funds which was credited back to my account in XX/XX/2020. However, Yes I got my funds back but my credit is now destroyed over this bank error that was beyond my control. My job is to make my payments on time which I did and I have always been doing. I can't refinance my home because of this inaccurate credit reporting caused by a bank error and I am requesting that this be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12 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: NC

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX {$2000.00} XXXX {$7600.00} XXXX {$700.00} XXXX {$24.00}

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 2020-06-12 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX XXXX XXXX {$160.00} XXXX  XXXX {$53.00}

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 2020-06-12 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX XXXX XXXX {$160.00} XXXX  XXXX {$53.00}

Company response to consumer: Closed with explanation