vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
To whom it may concern, I am extremely frustrated at the actions taken place by XXXX. I noticed my credit had been hit by about 33 points the first week of XX/XX/2021 so immediately investigated as to why that was, only to find out they claimed I did not pay my credit card ending in XXXX. I pay this credit card each and every month in FULL usually over {$10000.00} worth. I paid this on time and retrieved a receipt supporting my claim, I then went to XXXX  online to submit a dispute with the evidence of my payment of {$11000.00}. 

I have been awaiting a response for my dispute until today when I realized another hit for about 20 points had also been deducted from my credit score where they had REMOVED my entire account for this credit card. I feel as if this is entirely illegal and misleading removing my personal and validated information from my credit report I have worked so hard on. I am a tax paying citizen and pay my bills before they are due. I am outraged at the fact some random employee can remove such information and kill my credit score. 

I called XXXX and inquired about having all of this fixed ( that they caused ) and was told it could not be fixed and to contact my bank. I am livid and want my information repaired. I will not stop contacting until I come to a conclusion where the outcome is correct and fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: CURO Intermediate Holdings
State: AL

Complaint narrative:
Original debt : Speedy Cash on XXXX XXXX in XXXX. 
Debt collector : Ad Astra Amount : {$3600.00} Date on XXXX : XXXX Date of original debt : XXXX I was working in XXXX XXXX at the time this debt allegedly happened. I have never had an account with Speedy Cash. I have been dealing with identity theft from another XXXX XXXX for going on 20 years. Requesting permanent removal from my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: CO

Complaint narrative:
Company : XXXX XXXX XXXX XXXX  ( XXXX  ) XXXX XXXX XXXX Mortgage is maliciously and fraudulently reporting a 90 day on all three credit bureaus. I opened a mortgage in XXXX with XXXX and paid in in full in XXXX of XXXX. The account has been closed for nearly 6 years. My Transunion, XXXX, and XXXX  reports all show a 90 day late entry for XX/XX/XXXX. 

I have written several letters to XXXX and the Credit Bureaus disputing this 90 day entry. Letter correspondence was sent in XX/XX/XXXX, again 90 days later XX/XX/XXXX regarding this inaccuracy and no response was received. 

on XX/XX/XXXX I opened a complain with XXXX XXXX directly which has not been assigned to any one  in the mortgage division to investigate. They told me it would be 10 more days before someone would be assigned. 

XXXX XXXX is in violation of the following sections and subsections of the Fair Credit Reporting Act. 
PART XXXX CREDIT REPORTING ( REGULATION V ) Subpart EDuties of Furnishers of Information. XXXX Reasonable policies and procedures concerning the accuracy and integrity of furnished information. XXXX XXXX XXXX ) Duty of furnisher after receiving a direct dispute notice. 
List of violations and reference to codes XXXX. Supplying information to a CRA that it knows XXXX or should know ) is inaccurate ( XXXX  ) 2. Failure to conduct a reasonable investigation of a dispute ( XXXX  ) XXXX. Failure to notify you when it supplies negative credit information to a CRA XXXX XXXX ) 4. Failure to notify you of your right to dispute inaccurate credit information ( XXXX ) XXXX. Failure to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days XXXX or 45 days in some cases XXXX of receiving notice of your dispute ( XXXX ) These violations of the provisions of the FCRA, caused financial harm to me as it has caused denial of credit and higher interest rates. Attached is a copy of a summary report showing all three bureaus reporting the 90 days late in XXXX, and that the account was closed and paid in full in XXXX. There is also a note that shows the account was in dispute in the attachment and that the dispute was resolved by furnisher which further proves violation of Regulation V, XXXX, XXXX and 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 2021-05-14 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: CO

Complaint narrative:
Company : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX is maliciously and fraudulently reporting a XXXX day on all three credit bureaus. I opened a mortgage in XXXX with XXXX and paid in in full in XXXX of XXXX. The account has been closed for nearly 6 years. My XXXX  XXXX, and Equifax reports all show a XXXX  day late entry for XX/XX/XXXX. 

I have written several letters to XXXX and the Credit Bureaus disputing this XXXX day entry. Letter correspondence was sent in XX/XX/XXXX, again XXXX  days later XX/XX/XXXX regarding this inaccuracy and no response was received. 

on XX/XX/XXXX I opened a complain with XXXX XXXX directly which has not been assigned to any one in the mortgage division to investigate. They told me it would be 10 more days before someone would be assigned. 

XXXX XXXX is in violation of the following sections and subsections of the Fair Credit Reporting Act. 
PART XXXX CREDIT REPORTING ( REGULATION V ) Subpart EDuties of Furnishers of Information. XXXX Reasonable policies and procedures concerning the accuracy and integrity of furnished information. XXXX ( e ) Duty of furnisher after receiving a direct dispute notice. 
List of violations and reference to codes XXXX. Supplying information to a CRA that it knows XXXX or should know XXXX is inaccurate ( XXXX ) XXXX. Failure to conduct a reasonable investigation of a dispute ( XXXX ) XXXX. Failure to notify you when it supplies negative credit information to a CRA XXXX XXXX ) 4. Failure to notify you of your right to dispute inaccurate credit information ( XXXX ) XXXX. Failure to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days XXXX or 45 days in some cases XXXX of receiving notice of your dispute ( XXXX ) These violations of the provisions of the FCRA, caused financial harm to me as it has caused denial of credit and higher interest rates. Attached is a copy of a summary report showing all three bureaus reporting the XXXX  days late in XXXX, and that the account was closed and paid in full in XXXX. There is also a note that shows the account was in dispute in the attachment and that the dispute was resolved by furnisher which further proves violation of Regulation XXXX XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: CO

Complaint narrative:
Company : XXXX XXXX XXXX Mortgage ( XXXX  ) XXXX  XXXX XXXX Mortgage is maliciously and fraudulently reporting a 90 day on all three credit bureaus. I opened a mortgage in XXXX with XXXX and paid in in full in XXXX of XXXX. The account has been closed for nearly 6 years. My XXXX, XXXX, and XXXX  reports all show a 90 day late entry for XX/XX/XXXX. 

I have written several letters to XXXX and the Credit Bureaus disputing this 90 day entry. Letter correspondence was sent in XX/XX/XXXX, again 90 days later XX/XX/XXXX regarding this inaccuracy and no response was received. 

on XX/XX/XXXX I opened a complain with XXXX XXXX directly which has not been assigned to any one in the mortgage division to investigate. They told me it would be 10 more days before someone would be assigned. 

XXXX XXXX is in violation of the following sections and subsections of the Fair Credit Reporting Act. 
PART 1022FAIR CREDIT REPORTING ( REGULATION V ) Subpart EDuties of Furnishers of Information. XXXX Reasonable policies and procedures concerning the accuracy and integrity of furnished information. XXXX ( e ) Duty of furnisher after receiving a direct dispute notice. 
List of violations and reference to codes 1. Supplying information to a CRA that it knows XXXX or should know ) is inaccurate ( XXXX ) 2. Failure to conduct a reasonable investigation of a dispute ( XXXX ) 3. Failure to notify you when it supplies negative credit information to a CRA XXXX XXXX ) 4. Failure to notify you of your right to dispute inaccurate credit information ( XXXX ) 5. Failure to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days XXXX or 45 days in some cases XXXX of receiving notice of your dispute ( XXXX ) These violations of the provisions of the FCRA, caused financial harm to me as it has caused denial of credit and higher interest rates. Attached is a copy of a summary report showing all three bureaus reporting the 90 days late in XXXX, and that the account was closed and paid in full in XXXX. There is also a note that shows the account was in dispute in the attachment and that the dispute was resolved by furnisher which further proves violation of Regulation V, E, 1022.42 and 1022.43

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 2021-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Everytime that I used my card to make a purchase while overseas and or repeating usage with same merchant, and or a foreign company with offices either in the USA or abroad, they deny the charge for my security and precaution, I have spoken to customer service in the past and they committed to stop these action and asking for verification each time and will let the charge go thru. However they never did anything, this morning I made a charge on XXXXXXXX from my computer online, and they rejected the charge, sent a message if indeed I did it, I said yes, however I lost the purchase and the merchant suspect fraud, now the merchant will not accept my card, and the items cost way more. 

At this point CapitalOne is harassing for charges made overseas, this was a charge for under {$50.00}, its no longer a issue of security since I asked several times, I charge oftern overseas and the amounts were {$50.00} I dont want this harassment and so called protection, they are not protecting me but hurting. 

At least they should be for damages,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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:
I just check my credit through XXXX  's website and i noticed a few fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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:
I just check my credit through experian 's website and i noticed a few fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX  and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I opened a cell phone account with XXXX XXXX somteimes in 2017 at the XXXX XXXX Branch on XXXX XXXX, XXXX, CA. I used the phone for barely a week, returned the phone back to the location, paid the re-stocking and the usage fees and cleared the account. Few month back I pulled my credit report and noticed a {$52.00} debt collection being reported as not paid for 15 months. At no times, XXXX ever contacted me, or sent a letter of unpaid charges ( if any ) or made an attempt to notify me. This in my books a fraud and illegal misuse of an account by a XXXX loaction/XXXX. They sold the account to the debt collector in XXXX, TX ( XXXX XXXX XXXX, XXXX, TX XXXX ) XXXX named SOUTHWEST CREDIT SYSTEMS. This debt collector agency and XXXX XXXX both gave me run -around for about 3 months with every time something new to inform or for me to do. 

Due to their negligence, I am unable to secure a good car loan rate due to 15 months of late/unpaid payments showing up on my account. After getting fed up, I cleared the account and paid the {$52.00} but my credit is scared forever showing 15 months of late payments. It's their unwillingness to cooperate, investigate and or clear the account resulted in a painful experience for me. 

Again, we are talking about {$52.00} and I had no problem paying but it was a matter of principal, right business practices and legally to help the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent certified letters out from the inaccurate and unknown accounts that have been drastically hurting my credit score, and costing me THOUSANDS of dollars in interest annually. I have tried reaching out to via letters and its been over 55 days and still no response. I feel as if I am being taken advantage of which isn't legally right. Section 611 ( a ) clearly states they have only 30 days to conduct an investigation and reply or the account must be deleted. it has been over 55 days and demand these accounts be deleted immediately. My information was also affected the the Equifax data breach and may have got in the hand of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: NE

Complaint narrative:
Binance.us ( BAM Trading Services Inc. ) has been withholding {$140000.00} from me for the past 3 weeks pending " Identity Verification ''. On XX/XX/XXXX my ability to buy, sell, trade, and withdrawal was suspended without notice. I haven't been contacted nor was I informed what information they need from me to get this resolved. I took the proactive approach and submitted a support ticket XXXX # XXXX XXXX on XX/XX/XXXX with a copy of my drivers license XXXX front and back ), bank statement, and utility bill all attached hoping this would speed up the process thinking this would be sufficient in verifying my identity and proof of address. I reached out to their customer support via XXXX that same day and supposedly had my ticket escalated, but that apparently means nothing since I still haven't gotten a response going on 17 days now. I really don't know what else to do and feel like I'm getting scammed. This whole situation has caused me a huge amount of XXXX and XXXX. Anything you could do to help me out would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
PayPal has closed my account for no reason and will not help me getting it back up and running. It seemed like a mistake but they have been completely unhelpful in trying to remedy it. I've been trying for months and was told to file a report here for help. 

My PayPal email is XXXX They put the account on hold initially in XXXX, then announced a 180 day hold in XXXX. In reality, the hold ( although not warranted to begin with ) started over 180 days ago. This is seriously shady activity from PayPal and it's affected my ability to pay for basic expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Good evening, I submitted a dispute in regards to collection accounts on my credit report from Wakefield Collection Agency. When you replied back to me on XX/XX/2021 they provided a spreadsheet with numbers on there to supposedly confirm the amounts that I owe. To show you how shady they are and how they play with consumers credit they removed the accounts off my credit reports ( all 3 ). Then now they have added them back on there and I have proof because I check my credit frequently plus I get notifications when something changes. This proves my point that they are fraudulent and play games with individuals lives. I want this removed from my credit reports immediately ( all 3 ) and I want them to held accountable for doing this to citizens when they feel like it. The only resolution that needs to happen is they remove this and send me a letter indicating they will not attempt to keep adding this back on my credit. Im also going to contact each credit bureaus and show them how they are playing games as well. If this is not taken care of I dont mind going to the media to make it know how collection agencies need to be held accountable for the reprehensible behavior tactics used to ruin peoples lives and livelihoods. If you need proof I have it showing how they removed it once I filed with you and now have placed the same info back out there and this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XXXX XXXX i noticed Capital One, XXXX, XXXXXXXX & XXXX posted a negative closed account I did not consent to. They have committed fraud and several violations of the FCRA. It has been over a month now and this false account is still on my report despite my efforts. Capital One, XXXX, XXXX  & XXXX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, Capital One, XXXX, XXXX & XXXX has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information Capital One, XXXX, XXXX & XXXX in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave Capital One, XXXX, XXXX & XXXX permission to furnish this information. Fact, I never gave consent for XXXX XXXX to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, Capital One, XXXX, XXXX & XXXX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: NC

Complaint narrative:
during XX/XX/2021 i noticed that i identity has been stolen in fraud and used fraudulently to seek treatment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I had 2 accounts with this company. I requested to have both accounts closed on XX/XX/2021, however, the company only closed one account while the other remained open. With the company sleeping one account opened, they incorrectly reported a 30-day delinquency on my report. I have called the company and was told that they would send an update to all 3 credit bureaus to update the account as closed and with no delinquencies. 

The company reported the accounts as closed, however, the delinquency remains on my report and this delinquency is preventing me from maintaining my home loan preapproval and I need it corrected IMMEDIATELY.

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