vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-29 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: CT

Complaint narrative:
There is an erroneous account showing on my credit report that has not been validated by any of the bureaus. It's a paid collection with XXXX. 
XXXX reports the date last active as XX/XX/XXXX, XXXX reports the date last active as XX/XX/XXXX and Experian reports the Date last active as XX/XX/XXXX AND they report positive payments XX/XX/XXXX after collection activity in the payment history. They refuse to correct this or delete this erroneous information. 

XXXX XXXX should not be on my credit report either. The date last active for XXXX is XX/XX/XXXX. Experian reports the date last active as XX/XX/XXXX and XXXX reports XX/XX/XXXX. XXXX also reports current and positive activity on an account that is closed. I am getting no help with this account. It's updated incorrectly by XXXX and Experian and XXXX refuse to investigate this based off of my understanding of the process of credit. 

There is also a XXXX account that is completely wrong. XXXX reports current and positive payments on a closed account which suggests that it's illegally re-aged. the account is a closed satisfied charge off. XXXX has never investigated this item. XXXX reports the date last active as XX/XX/XXXX. XXXX reports the date last active as XX/XX/XXXX. this makes no sense.the laws state that credit reports must be 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I would like to dispute a collection account. The account is listed on my TransUnion, XXXX, and XXXX credit reports as XXXX. 

I've already asked TransUnion, XXXX, and XXXX to verify the accuracy of the information on my credit report. Upon looking at my updated credit report, I can see that there are still many inaccuracies being reported, even after each bureau 's independent investigation. 

Here are the specific INACCURACIES ( proof is attached ) : Account Number : TransUnion : XXXX XXXX : XXXX XXXX : XXXX Date Of Last Activity TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Date Opened TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Closed Date : TransUnion : XX/XX/XXXX XXXX : Not Listed XXXX : Not XXXX Balance Owed : TransUnion : {$320.00} XXXX : {$0.00} XXXX : {$320.00} Also, please note the 7 year history in the attachment. TransUnion and XXXX are reporting ZERO 30 day late payments and ZERO 60 day late payments, while XXXX is reporting XXXX 30 day late and XXXX 60 day late. TransUnion is reporting ZERO 90 day late payments while XXXX is reporting XXXX and XXXX is reporting XXXX! 

According to the FCRA, all information on consumer credit reports must be accurate. The information on this account is NOT being reported accurately, as it does not remain consistent across reports. 

Therefore, TransUnion, XXXX, and XXXX are all in violation of FCRA, and they are violating my consumer rights by continuing to report inaccurate information on my credit report and failing to properly investigate the accuracy of my credit report. 

I want the XXXX Card account removed from my XXXX credit report, TransUnion credit report, and XXXX credit report immediately, per FCRA regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Hi I bank with Chime and had fraud occur on my account on XX/XX/XXXX. While I was at work at my bank I work for. 

Two charges occurred simultaneously one for {$29.00} and one for {$29.00} both for the same fraudulent company at XXXX out of Florida. I have filed my claim with Chime over 5x now have called and spoken with no less than 50 different agents. Spoken with 10 supervisors and also emailed their so called investigations team as well to date I have just called again today XX/XX/XXXX and it has now been over 3 months and still no response or resolution. They have done nothing but give me an absolute runaround. This occurred on my credit builder credit card so no provisional credit is possible yet since its been over 90 days the credit should have been posted back to my account and for some reason it still has not and the claim was closed yet again! and theres no way to get in touch with anyone at investigations at all. 

Also they claim that since the card wasnt stolen it could not be fraud and I have submitted pictures of the closed credit card on which the fraud occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I was recently in the hospital for XXXXXXXX XXXX XXXX XXXX  a month ago. I just now got back to work. I discovered that my credit file has over 2 inquiries for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquiries Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquiries : Factual Data and also XXXXXXXX XXXXXXXX XXXX XXXX. I am not sure who approve this or even made these inquiries. This is the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines XXXX Please delete the following fraudulent inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not sure how these got on my file when I already had a fraud alert on file?? I was never contacted to see if these were authorized to be made on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: WI

Complaint narrative:
I sent my letter off on XX/XX/2021. I told the credit bureus to investigate every piece of information on the accounts I have listed below. Also, I attached the letter I sent out. I also submitted a complaint through CFPB and still these bureaus refuse to do their job according to the law. 

According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account ( s ) were verified but how is this possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. Attached is my recent credit report with the inaccuracies highlighted.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I sent my letter off on XX/XX/2021. I told the credit bureus to investigate every piece of information on the accounts I have listed below. Also, I attached the letter I sent out. I also submitted a complaint through CFPB and still these bureaus refuse to do their job according to the law. 

According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account ( s ) were verified but how is this possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. Attached is my recent credit report with the inaccuracies highlighted.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DP OF EDUC US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29 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: GA

Complaint narrative:
I trade Bitcoin online through a XXXX marketplace, and I was using Venmo as my preferred method of payments received. I had a dispute involving XXXX transaction for {$100.00} USD. The payment was firstly false and invalid to which Venmo refunded the customer for the payment of XXXX USD without notifying me of this dispute. Secondly they subsequently flagged my account for review. I fulfilled every step and furnished every document requested to uplift this limitation. After contact with 4 upper level supervisors and fraud prevention department specialists, my account was then permanently limited and subsequently I was informed by the service, Venmo, that I had violated the terms and conditions of the account & that their service would no longer be available for me to use. I submitted my identity verification, as well as many other documents to show proof of purchase & the transaction that caused this ordeal. From purchasing Bitcoin and trading on the online platform. Now my funds are being held for no apparent reason. I'm being told that I have to wait 180 days to receive the funds that I legally and rightfully obtained, with supporting proofs. Yet I was deducted the XXXX USD. As well as after making the initial transfer to my bank account attached the funds were reversed back to Venmo, who issued a refund without contacting me when the dispute arose. {$840.00} USD was returned then {$100.00} USD refunded leaving me with a frozen balance of {$740.00} USD. I've submitted proofs for the funds legal obtainment. No disputes will arise against me in pertains to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: UT

Complaint narrative:
In accordance with the fair credit reporting act, the following companies have violated my rights : XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C. 1681 Section 602 A States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: NY

Complaint narrative:
There are two accounts that I have been trying to get corrected for quite some time. XXXX  months to be exact. There is an old XXXX which reports me as late and I have never been given proof that I was! It needs to be removed. What's worse is that the bureaus report Erroneously. XXXX reports the Date last active as XX/XX/XXXX and XXXX reports XX/XX/XXXX and Equifax reports XX/XX/XXXX. Equifax also reports positive and current activity on an account that is closed. this should not be listed on my report. I have requested this removed based off these errors for months and no one will help me. They just keep updating incorrect information. 

The other account is a XXXX  credit card. The Date last active is reported as XX/XX/XXXX by XXXX. XXXX reports XX/XX/XXXX and they report me late and also charged off! they can't do that! Equfax reports me with current payments after collection activity and a date last acitve as XX/XX/XXXX. this is not accurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: NY

Complaint narrative:
There are two accounts that I have been trying to get corrected for quite some time. XXXX  months to be exact. There is an old XXXX which reports me as late and I have never been given proof that I was! It needs to be removed. What's worse is that the bureaus report Erroneously. Experian reports the Date last active as XX/XX/XXXX and XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. XXXX also reports positive and current activity on an account that is closed. this should not be listed on my report. I have requested this removed based off these errors for months and no one will help me. They just keep updating incorrect information. 

The other account is a XXXX  credit card. The Date last active is reported as XX/XX/XXXX by XXXX. Experian reports XX/XX/XXXX and they report me late and also charged off! they can't do that! XXXX reports me with current payments after collection activity and a date last acitve as XX/XX/XXXX. this is not accurate!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: DISCOVER BANK
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: FL

Complaint narrative:
Over six months ago my " XXXX XXXX '' score as reported by XXXX XXXX dropped from XXXX to XXXX over the course of one month. I called them to express my concern and was told that they just share numbers they get from TransUnion. I contacted TransUnion multiple times through postal mail, phone calls and through attempts on their website. As best I can tell, when I took out a home equity line of credit TransUnion replaced my 30 year credit history with multiple credit cards, mortgages, etc. with a brand new credit report only having my new line of credit. Instead of a 30 year history or credit they were reporting that I had a 30 day history. As an example of the bizarreness of TransUnions actions, they are telling me on my XXXX XXXX online account, where I have three credit cards, that I don't have any credit cards. It doesn't make any sense. I have spoken to at least three TransUnion representatives who have said they will fix the problem over the course of six months and nothing has changed. All I ever get is a letter from TransUnion that says " Enclosed is the credit report that you requested. '' I'm not requesting a credit report, I'm requesting that they fix their error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29 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: TX

Complaint narrative:
I asked trans union to show me the information they found that shows the accounts belong 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
Consumer complaint received 2022-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I lost my checking/ debit card and it was taken from my home only one person was here that could have stole it. They also have accessed my phone XXXX account or my cell phone in general

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
on XX/XX/2022, i sold my home, the closing agent wired the funds to payoff my mortgage of {$140000.00} according to the payoff that was given. the payoff was good through XX/XX/2022. On XX/XX/XXXX, after going on the portal. i notice, the loan was not paid off. I immediately called fay servicing, everyday for XXXX  days customer service stated the wire was sent back. I finally got a hold of a XXXX on XX/XX/XXXX, XXXX i explained to the XXXX the circumstances. i emailed the documentation of the final closing settlement statement as well as the wire information, stating the wire was never sent back to the closing agent. the XXXX never returned my call or emailed. i called again on XX/XX/XXXX, XX/XX/XXXX ... the customer rep stated the Fay servicing has now paid my past due property taxes, which were in turn paid at closing. on XX/XX/XXXX I spoke with another XXXX, which states he needs to find out what happened.but at the same time... the wire of {$140000.00} has now been sent back to the closing agent. I do not know what to door where to turn. please help me get this resolved... i have also filed a complaint with the XXXX ... .thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
While in the process of refinancing my house, my loan company generated a credit report history, whereby the 2 below accounts appeared on the report, and were not recognized by me-nor I have requested to open them. They were fraudulently created with my stolen identity : XXXX Account XXXX XXXX opened XX/XX/2021 ; Balance owed : {$1400.00}. This was opened by someone in the state of IOWA ( I never lived there ). 

XXXX Account # XXXX opened XX/XX/2021 ; Balance owed : {$300.00}. This was open by someone in XXXX, NJ ( I never lived there ). 

Since they are now in " Collection '' Status '', this has caused a very negative impact on my credit score and history. They will need to be removed ASAP, so my loan company can do a rescore to continue with my closing. 

I have also email personal information to both companies to prove my identity, and filed an Identity theft report with the local precinct ( central Complaint # XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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