vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference paints me as a XXXX. my fico say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have four negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in they are causing me severe XXXX and stopping me from getting this job offer and now im homeless n cant provide to my two year old daughter and I started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2021 I initiated a XXXX transaction from Bank of America 's mobile app to XXXX XXXX, XXXX confirmation # XXXX for {$580.00}. Within seconds of initiating, while the transaction still said processing, I realized this was a scam. I immediately called Bank of America and couldn't get anyone to assist. I then drove to my local XXXX, GA branch and the branch manager advised to file a police report, which I did and submitted to BoA, and the branch manager called customer service on my behalf. We were jointly told that someone would look into it and get back to me. No one from Bank of America ever responded despite multiple outreach attempts. 

I continue to see articles and postings of other Bank of America customers impacted by XXXX scams, and Bank of America has returned their funds ( example : XXXX news XX/XX/XXXX customer XXXX XXXX, XX/XX/XXXX customer XXXX XXXX ). 

I can not understand what makes these customers situation more important than mine and why their funds were recovered but mine were not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2021 I sent a letter to Transunion through USPS certified mail, Tracking Number : XXXX which was confirmed received XX/XX/2021 at XXXX XXXX  requesting items to be investigated with results sent to me in 30 days regarding erroneous information on my credit report. No response or resolution was granted.

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 2021-10-20 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: OH

Complaint narrative:
There was a fraud on my account notified all parties that i have done no inquiries at all and to remove these fraudulent claims from my report, after the reports were sent in they still have not removed these inquires

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 2021-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20 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: TN

Complaint narrative:
I have contacted the each credit bureau XXXX, TransUnion, and XXXX to resolve identity theft dispute but TransUnion sent letter stating they would not process my dispute after I sent identity theft report and police report and dispute letter. XXXX stated they could not find a credit report under my ssn XXXX and has two or third fraudulent credit profiles under my name. XXXX received and accepted but did not remove fraudulent accounts. 

Here are the accounts below that were opened fraudulent. 

Bankruptcy Chapter XXXX discharge Reference XXXX Amount {$0.00} XXXX / XXXX- Balance {$2700.00} XXXX / XXXX- Balance {$0.00} Dept of Education/ XXXX XXXX Balance {$6800.00} XXXX - Balance {$1200.00}

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 2021-10-20 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: TX

Complaint narrative:
I am a XXXX yrs military XXXX veteran. The credit bureaus have violated my right as a consumer under the FCRA Act. I have been trying to work with the credit bureaus to remove unauthorized credit inquiries that doesn't belongs to me. I have sent certified mail on numerous times. All I get back is the investigations resulted as " Updated and Factual ''. What does this means? I have for a copy of signed documents that I haver authorized these inquires. Can you please ask the credit bureaus to show the proof or delete the inquiries. This has been dragging on way too long. 
These inquires are in question. 
XXXX XXXXXXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX 1. XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2. XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX 3. XXXXXXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : WELLS FARGO CARD SERVICE*****Date Opened XX/XX/XXXX Balance {$0.00} Charge Off WELLS FARGO BANK XXXXDate Opened XXXX. XXXX, XXXX Balance {$0.00} Charge Off

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 2021-10-20 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: IL

Complaint narrative:
After i noticed this Random Account being Reported to my Consumer Report i Contacted Equifax via phone XX/XX/2021 to notify them of the Adverse item. The Representatvive was completely ignorant to the law & After I notified the Representatvive that the account being reported was Inaccurate and Unauthorized they were however unable to assist me. On XX/XX/XXXX i wrote the company notifying them of the Laws they were in violation of and i have not heard anything back thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
My car was repossessed, the company says I havent paid since XXXX. Even though I have receipts stating that I paid everything that is owed. The company says I am unable to speak with anyone on a supervisory level, and they also stated that I cant show proof of my payments & that they are only going by what their computer says.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: TX

Complaint narrative:
I am a XXXX yrs military XXXX veteran. The credit bureaus have violated my right as a consumer under the FCRA Act. I have been trying to work with the credit bureaus to remove unauthorized credit inquiries that doesn't belongs to me. I have sent certified mail on numerous times. All I get back is the investigations resulted as " Updated and Factual ''. What does this means? I have for a copy of signed documents that I haver authorized these inquires. Can you please ask the credit bureaus to show the proof or delete the inquiries. This has been dragging on way too long. 
These inquires are in question. 
XXXX  XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX 1. XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2. XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX 3. XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XX/XX/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 2021-10-20 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: TX

Complaint narrative:
I am a XXXX yrs military XXXX veteran. The credit bureaus have violated my right as a consumer under the FCRA Act. I have been trying to work with the credit bureaus to remove unauthorized credit inquiries that doesn't belongs to me. I have sent certified mail on numerous times. All I get back is the investigations resulted as " Updated and Factual ''. What does this means? I have for a copy of signed documents that I haver authorized these inquires. Can you please ask the credit bureaus to show the proof or delete the inquiries. This has been dragging on way too long. 
These inquires are in question. 
XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX 1. XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2. XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX 3. XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XX/XX/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 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: MS

Complaint narrative:
Today I got a collection placed on my credit in the amount of {$1600.00} when I never got any written notification of the debt to pay or to dispute a company by the name of Security Credit Services this company has never contacted me never sent me anything skipped the process of verification and payment to the to the original creditor and immediately placed the account on my credit without a call and not even a letter of verification to dispute consumer was never contacted by original creditor for account to be resolved accurately. Consumer contacted original creditor due to never receiving merchandise in a timely manner and was being billed for payment when product was not received company advised they would not bill consumer and issue credit due to being billed for a product that was in delay in shipping as of today 's date consumer was told to keep paying for a product never received in a timely manner waiting on an update to the account. Company never called back after consumer advised of this issue and was waiting on a resolution that never occurred many times calling no one would know exactly what happened nor would they give credit for the delayed no product but still wanted a payment as of today 's date original creditor has never resolved the credit disputed by the customer and wanted money when they was to issue a credit or update a new contract due to delayed product company wants clients to pay for a product not received or delayed when they know the customer does not have the product due to delay I immediately advised that how can you pay for something when the customer does not receive it in a timely manner per the agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
This complaint involves Shellpoint Mortgaging Services. A few years back I did have financial problem which resulted my having to hire an attorney and complete a Mortgage Loan Modification. I spent on this particular attorney approximately {$7000.00}. The Modification was completed, accepted by myself and Shellpoint. However, almost immediately I began experiencing problems with them. I have not missed one payment since, however, the company continues to send me notices of payments owed ( which I have not been or presently been behind ). They have changed the loan amount several times- they have constantly billed me for 3-4 months at a time without warrant and have been sending individuals to take pictures of my property. I have since hired several attorneys to rectify this problem- I am currently on my 4th as no one can seem to understand or resolve this problem or if it does get corrected it only last a month or two and goes back to the same nonsense. I honor my modification and pay faithfully every month ( receipts to prove ). They do not acknowledge ... .I am XXXX and still working at my same employment for 46 years ( thankfully ). I can not any longer take the stress of their incompetence, falsehoods - every time I get i corrected through an attorney the " fix '' last for a month or " two '' only. Something has to be done - I can not keep hiring attorneys for a " quick '' fix - lose money for nothing. I have no family to fall back on- it is downright frightening to see someone pull up to your house and start taking pictures as if they were foreclosing - again I have not missed a beat and back. I am sooooo tired of receiving statements such monthly payment due {$9000.00} or some other ridiculous amount - no acknowledgement of regular payments. This is making me sick - I am constantly nervous just waiting for what is next - I need help badly. Thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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 2021-10-20 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I opened a account with XXXX  XXXX XXXX in XXXX and i closed the account on my behalf on good terms. if you look at the account i made all on time payments until i closed the account. I went to XXXX XXXX XXXX in person to close my account and the agent cut my card and i thought i was done. turns out the agent never cancelled the account and they charged me a XXXX fee i called and they said it was there fault and they officially closed it but without fixing my credit report. i called in XXXX to fix it and they said they fixed it but ended up using it as a charge off as if i did something wrong.

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 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There was a fraud on my account notified all parties that i have done no inquiries at all and to remove these fraudulent claims from my report, after the reports were sent in they still have not removed these inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: OH

Complaint narrative:
There was a fraud on my account notified all parties that i have done no inquiries at all and to remove these fraudulent claims from my report, after the reports were sent in they still have not removed these inquires

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 2021-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
I went to the u.s bank on XX/XX/2021 and deposited my check into the atm and it rejected my check and didnt give me my check back but gave me a receipt so I waited at the atm for awhile too see if my check would come out but it didnt! So I called the number on the receipt which was XXXX around XXXX. The guy I spoke with told me to go to my bank and they would be able to print my check but they told me the would not be able too and that they tried calling that number and nobody answered so I called that number as soon as we left and they picked up within a minute and told me that we could file a dispute but I did not want to do that because I needed the money rn and the guy I spoke to that night told me they would be able to print me a new one the next day and so far I havent gotten anything and I need my money back!

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 2021-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
Good afternoon, From my coinbase wallet on XX/XX/XXXX {$20000.00} was taken I was told in order to receive my money back I need to pay another {$9000.00}. I was participating as I was told in mining Ethereum coin I was promised to 2 % of income on my deposit on the website XXXX Not at any given moment I gave permission for my money to be taken out of coinbase wallet. 
I tried to talk to customer service but they told me that my money are frozen and need to deposit more money in order to receive my money back. 
As for coinbase they have responded that the money are not insured by them.

Company response to consumer: Closed with explanation