vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-28 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX/XX/XX/XXXX XXXX XX/XX/XXXX/XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2019-06-28 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: VA

Complaint narrative:
I checked my credit score using XXXX XXXX  on XX/XX/XXXX and it showed that my equifax score dropped XXXX points. I contacted the credit company and they informed me I had 30 missed payments for my federal student loans. I then contacted the federal loans creditor and informed them that since I am XXXX XXXX and my loan amount is so high I am in deferment status and I was told that when I contacted them 7 months prior when I joined the Military. They said it was an error on their part that shouldnt have happened and contacted the creditors to let them know that I am in fact in deferment and do have any monthly payments therefore I shouldnt have any missed payments on my credit score. Equifax updated their information about my deferment status, however did not take the delinquencys off of my credit which is what cause my credit to drop in the first place. I called Equifax and asked them to take the delinquencys off of my report as it was an error with the creditor and not due to my lack of payments. They said they would look into it but did not make any changes. Because I am XXXX XXXX military you need to be in good credit standing in order to maintain your security clearance as well as your job. This error both on XXXXs part as well as the federal loans part is now putting my security clearance as well as my job in jeopardy. I did everything I was supposed to do to prove it was an error and now I need Equifax to remove the delinquencys off of my report so my credit score can go back to what it was and to ensure the safety of my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: MO

Complaint narrative:
Ive had this credit card for 5yrs with a {$500.00} limit and have never been offered a credit line increase. I called customer service on XX/XX/19 to inquire about an increase. The rep told me I was eligible for an increase and proceeded to ask for my income. I advised that my monthly income was {$6600.00}. He then told me that unfortunately my debt to income ratio did not meet their guidelines. I find that hard to believe considering that my credit cards are paid off and Ive never been late on my car and mortgage payments. I called back to speak with a different rep who advised that I have more income going out than I have coming in. IMPOSSIBLE! Im sure the first rep must have entered my income incorrectly. The 2nd rep told me theres nothing she can do and that I would receive a letter in 5-10 business days. I have credit cards with {$3000.00} credit limits with no problem, but all this company can offer me is {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
After looking over my credit report there were inquiries being reported on my credit report by Experian. 

1.XXXX  -- XX/XX/2019 2. XXXX XXXX  XXXX-XX/XX/2019 3.XXXX XXXX  XXXX-XX/XX/2019 4.XXXX XXXX XXXX-XX/XX/2019 5.XXXX XXXX XXXXXX/XX/2019 6.XXXX XXXX-XX/XX/19 7.XXXX XXXX-XX/XX/19 I have also disputed with the creditors as well, I send them a letter that I have attached to this complaint, and Experian is still reporting these fraudulent inquiries. 
I also tried disputing this online with the credit bureau but it does not allow me to. I tried calling and no help. Experian is reporting NOT YET PROVEN COMPLIANT INFORMATION that requisites DELETION to avoid civil suit! They have detailed on my current Experian Credit Report several ALLEGATIONS of inquiries that have NOT been adequately verified in a COMPLIANT MANNER as mandated per the FCRA METRO 2 reporting regulations, namely that they do not HAVE VERIFIABLE PROOF of PERMISSIBLE PURPOSE and the chichanary led subterfuge is UNLAWFULLY injurious to my credit and reputation which is a CLEAR INFRINGEMENT of my consumer and civil rights. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Obviously this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2019-06-28 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2019-06-28 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a single father trying to purchase a home for my family, I was denied because of negative items on my credit. I was able to see my credit and there is an fraudulent item that on my credit that i did not authorize. 

Account Name : XXXX XXXX XXXX Balance owed : {$910.00} Account Name : 11 XXXX Balanced Owed : {$910.00}

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 2019-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2019 I attempted to purchase tickets for a XXXX XXXX concert from a seller on XXXX. The seller sent me a screen shot of the tickets, which matched the description on XXXX and advised that he would transfer them to my XXXX account upon receipt of payment. I used XXXX, which is available within my USAA mobile banking app, to send {$180.00} to the seller 's email address : XXXX. The seller, with whom I was communicating solely via email through XXXX, then stated that he was was not seeing the payment and asked that I try again. I immediately became suspicious, sent him a screen shot of the transfer confirmation from my USAA app, and asked that the seller immediately transfer the tickets to my XXXX account. The seller stopped responding and I knew it was a scam. I promptly called USAA and asked that the transfer be reversed. A ticket was opened to investigate the disputed transfer, but I received an email on XX/XX/2019 stating : " Thank you for your patience while we investigated your Send Money transaction dispute below : Dispute date : XX/XX/2019 Disputed amount : {$180.00} Recipient 's name : XXXX XXXX Transaction date : XX/XX/2019 Transaction amount : {$180.00} Confirmation number : XXXX We've completed our investigation and determined an error did not occur for the following reason : XXXX is a personal money transfer service and does not provide purchase protection. The transfer was completed as requested and any dispute must be resolved with the user to whom you sent money to. If you have questions or would like to request copies of the documentation or information we used to make this decision, please call us at XXXX ( XXXX ), our mobile shortcut # XXXX or XXXX. We value your business and the opportunity to serve all your financial needs. '' Having now researched the matter further on my end, I understand that the major U.S. banks are all offering and promoting XXXX as a money transfer service, but are failing to provide any purchaser protection. As a result, XXXX has become inundated with scammers and fraudsters. The banks must know this and are failing to protect their customers. I find this unacceptable and ask that the CFPB investigate the matter and take action. There are a number of ways the banks can protect purchasers who use XXXX, including not releasing funds to the recipient until confirmation that goods/services were delivered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: CA

Complaint narrative:
Equifax and Transunion are reporting incorrectly lates on the XXXX XXXX  partial account number XXXX. ( Please see pages 6 - 8 of the attached credit report. ) I applied for a loan modification and got behind on payments. I was then in a position to make multiple payments only to have the payments sent back to me. I was not aware that they would not accept partial payments. In the middle of trying to get the payment situation straightened out, my loan was sold without any notification to me. I was told that I would be able to make partial payments and get all payment caught up, however this was not true. Consequently, since the payments I made were not applied, I was zapped with late payments. This incorrect reporting is harming my credit score. Please delete these late payments from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CO

Complaint narrative:
I opened a new card to get a balance transfer. Balance transfer check was not sent out until 3 weeks after the application and to the wrong account. They could not tell me what account it was sent to. I was charged the application fee and responsible to pay for the balance transfer that I did not receive. I call multiple times and was told to just wait until the end of the month before I discovered it was sent to the wrong account. They said I would have to wait 60-90  days before the funds would be returned and that I had to pay for the transfer in the meantime. US Bank has been the worst customer service by a credit card Ive ever had.

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 2019-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: SC

Complaint narrative:
I am having a problem with my cash app. They closed my account but still accepted my direct deposit from my job and I can't get the remaining XXXX that is just sitting there. My cash app is linked to my email which is XXXX my phone number is XXXX my name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/2019, I tried to renew my membership with Experian Credit for their credit monitoring. At the time, they renewed my service, but charged two credit cards at the same time for {$27.00}. The cards end in XXXX and XXXX. The card ending in XXXX was charged in error. When I call their call center, it keeps disconnecting me. 

There should only be one charge of {$27.00}, not two.

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 2019-06-28 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I had a Comenity Bank credit card, through a company called XXXX. XXXX informed me that their credit card program was ending on XX/XX/XXXX. I received several communications about the program 's end. The final notice was sent on XX/XX/XXXX, stating " If you're using your XXXX credit card to make recurring automatic bill payments, please switch those payments to a different card, since your XXXX credit card will no longer be accepted. '' I had until the next billing cycle to fully pay off the card balance. As of XX/XX/XXXX, my balance was XXXX. Since my debt was satisfied, I didn't think about the card after that. 

Around XXXX of XXXX, I started receiving notices from XXXX that my account had an unpaid balance. I called them up to explain that the charge they were trying to collect on went through XX/XX/XXXX, 3 months after the card was closed. It was a recurring automatic charge of {$6.00} that, per their own letter, should not have gone through. Over the course of the next 6-8 months, I regularly called up XXXX to re-explain that the charge should not have gone through. Each time, the representative agreed with me, and indicated that they would be notating the account to reflect that. I continued to receive late fees and finance charges over the course of a year and a half, despite making at least 6 separate calls to the company. In XXXX of XXXX, I finally just decided to pay the {$190.00} accrued on a {$6.00} charge that never should have gone through to begin with. 

I put this behind me until I checked my XXXX   and XXXX  reports and saw that XXXX reported my account as late from XX/XX/XXXX to XX/XX/XXXX, despite the card closing XX/XX/XXXX. This is more than a year after the card was closed and paid in full. The account is reported accurately through XXXX. I have disputed this through XXXX  2 times, and I am currently disputing it for a 3rd time. XXXX  says that XXXX has provided documentation to support their claim, but I have conflicting documentation that supports mine. 

I have perfect payment history on all of my tradelines. This is illegal and all-around not fair. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I did a transfer of {$20.00} from my Cash App balance to my registered XXXX account. The transaction says complete but it never made it to my XXXX accounts. I checked both! It looked as if the account number they had on file was wrong. I noticed this after the fact when it didnt hit my account in the 3 max days advised. I did a {$11.00} transfer a few  months back with no issue. I have emailed them 3 times as per the instructions in the app, and havent gotten any responses. And the funds still arent in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a single father trying to purchase a home for my family, I was denied because of negative items on my credit. I was able to see my credit and there is an fraudulent item that on my credit that i did not authorize. 

Account Name : XXXX XXXX XXXX  Balance owed : {$910.00} Account Name : XXXX XXXX Balanced Owed : {$910.00}

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 non-monetary relief
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: OH

Complaint narrative:
Hi - I have requested the Method of Verification & Validation of debt from the United Collection Bure account # XXXX. I have not received an response in over 30 days. However, they have placed this information on my credit report. 

Per the FCRA, I have the right to request a description of the procedure used to determine the accuracy and completeness of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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