vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 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: MO

Complaint narrative:
XXXX ; XXXX  and Transunion should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has since been paid in full. I was charged {$2.00} in interest AFTER the account had been closed. This charging of interest after the account was closed is ridiculous. These lates reporting are seriously harming my credit score and these lates need to be removed from my credit report. I have attached a copy of my XXXX statement for XXXX showing the account was closed and I have also attached a copy of the XXXX XXXX statement which shows the interest of {$2.00} being charged. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. Again, please remove these lates that are reporting.

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 2021-02-02 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: MO

Complaint narrative:
XXXX ; Experian and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has since been paid in full. I was charged {$2.00} in interest AFTER the account had been closed. This charging of interest after the account was closed is ridiculous. These lates reporting are seriously harming my credit score and these lates need to be removed from my credit report. I have attached a copy of my XXXX statement for XXXX showing the account was closed and I have also attached a copy of the XXXX XXXX statement which shows the interest of {$2.00} being charged. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. Again, please remove these lates that are reporting.

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 2021-02-02 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:
I've contact this creditor several times concerning these accounts. I never opened the accounts or benefited from the use of the accounts in any way. The accounts were opened shortly after my identity was stolen which I've explained several times. I also haven't received anything with my signature validating that these accounts are mine.

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 2021-02-02 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! I will call my lawyer ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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:
credit bureau is continuing to allow XXXX system to report false and fraudulent information on my report. I have attempted to resolve this with them since XX/XX/2020. XXXX  is attempting to collect a debt for direct energy which does not exist and never has. i contacted them directly and they have no trace of information that relates to me. its false. ive asked several time on multiple requests for proof and it nver has been provided ( once again i knew they couldnt provide because the account with direct never existed ) its for the total of {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: OK

Complaint narrative:
I STILL HAVE ITEMS REPORTING ON MY CREDIT REPORT THAT ARE NOT CORRECT AND IV'E BEEN TRYING TO GET A RESPONSE FROM THE CREDIT BUREAUS FOR SEVERAL MONTHS.

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 2021-02-02 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: Army and Air Force Exchange Service
State: MO

Complaint narrative:
The Army Air Force Exchange Service ( AAFES ) refuses to stop reporting a derogatory item against my personal credit report despite presentation of documentation that proves the existence of mitigating circumstances tied to active duty military service. After I was ordered to active duty from the reserve component, an automatic allotment that I had setup to make automatic payments against my open XXXX XXXX XXXX ( credit card offered and managed by AAFES ) did not immediately carry over. I was ordered to attend an intense military training pipeline that spanned approximately 20 months and included multiple short-notice relocations during that timeframe ( see attached sets of orders ). Additionally, the Creditor is in violation of the Fair Credit Reporting Act because I was never provided prior notification of pending material changes to my credit report. It was only after reaching my final base that I learned something was wrong. One of my paychecks was approximately XXXX smaller than normal. Upon reconciliation of the reserve and active pay systems, the XXXX and XXXX XXXX XXXX ( XXXX ) automatically sent a single payment to close the remaining outstanding balance still open against the account held by the named Creditor ( reference the attached Leave and Earnings Statement ). In effect, by the time I realized something was wrong, the Creditor had already sent the account into collections. The Creditor claims to have sent notification ; however, the last address they had on file was my reserve unit HQ building -- even though this makes no sense as the XXXX XXXX is a personal credit card requiring a residential address during the application/sign up process ( which I provided ). Personnel at my reserve unit were not able to verify receipt of any personal notifications addressed to me from AAFES during my absence. 

I have attempted to work directly with the Creditor and all three Credit Reporting Agencies XXXX see attached email correspondence and dispute letters XXXX. I have even retained legal representation ( see attached legal notices from XXXX XXXX XXXX ). The Creditor states that the decision rests with the CRAs. The CRAs state that the decision rests with the Creditor. All involved parties refuse to coordinate and simply shift the responsibility. I have already filed a complaint against the CRAs, but was unable to also list AAFES. This complaint is specifically intended for the named Creditor.

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 2021-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Fidelity Services, LLC
State: SC

Complaint narrative:
I received a letter on XX/XX/XXXX stating I had a debt with XXXX XXXX for a loan I supposedly took out in XXXX. I have identity theft and fraud and was able to contact them today. I was told the original loan was for {$600.00} and I now owe {$1200.00}. I asked if she could send me validity of the debt and I have yet to receive anything. The company that this debt was apparently assigned to is Midwest Fidelity Services, XXXX and spoke to a XXXX today XX/XX/XXXX. I have two police reports, one in XXXX XXXX where the fraud originated and one in South Carolina where it has continued. I have tried to call XXXX XXXX on XXXX and they do not show any debt ever taken out by me. My only presumption is that since the debt was sold to Midwest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
There is a account on my consumer report that doesn't belong to me i have notified synchrony bank and the consumer reporting agency of the fraudulent account and neither party as removed the account from my consumer report the reporting of this account is harming me financially and emotionally knowing that someone else has my information and synchrony bank hasn't fixed the problem.

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 2021-02-02 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX  Transunion should not be reporting a collection/chargeoff in the amount of XXXX on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was deemed a total loss and I had GAP insurance at the time. The insurance paid off this remaining balance and this account needs to report a XXXX balance due and not be reporting as a collection/chargeoff. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have attached a copy of the GAP insurance letter for reference which shows the GAP BENEFIT amount of XXXX which clearly paid off any outstanding balance that was due. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02 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: NC

Complaint narrative:
XXXX XXXX  Experian and XXXX should not be reporting a collection/chargeoff in the amount of XXXX on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was deemed a total loss and I had GAP insurance at the time. The insurance paid off this remaining balance and this account needs to report a XXXX balance due and not be reporting as a collection/chargeoff. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have attached a copy of the GAP insurance letter for reference which shows the GAP BENEFIT amount of XXXX which clearly paid off any outstanding balance that was due. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by USAA Federal Savings Bank. USAA Federal Savings Bank has knowingly and willfully violated the Truth in Lending Act. Truth and Leading TILA The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I am a Consumer and Veteran who has fought for this Country and USAA Federal Savings Bank would rather use misleading information and deceptive forms to collect on an alleged debt that has been paid for through a consumer credit transaction. This is unauthorized use of my credit card 15 USC 1602 ( p ). Please see attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: NC

Complaint narrative:
I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
The account information was disputed based on Date of delinquency, Date of last payment, Date last active which by XXXX does not match. I disputed the information with XXXX  and XXXX  and the investigation by NETCREDIT came back to the credit bureaus that the account information is accurate. I live in CALIFORNIA and this information is inconsistent under the CCRAA. 

FCRA 623 and FDCPA 806 ( b ) Maximum Possible Accuracy state that the creditor MUST enter a notice of dispute.If this is not entered the account can not report on the account XXXX p. 2-2 Industry Reporting Standards '' All accounts must be reported on a monthly basis. '' The creditor NETCREDIT did not update the account status as " disputed '' while I was shopping for a new home at which time I was denied a mortgage loan. 

FDCPA 809. Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

This account should no longer be reporting because of the violation of my consumer rights under the CCRAA and the Rosenthal FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
We received a forebearance throught the CARES Act for XXXX XXXX XXXX We started paying again in XXXX, and have paid every month since. Huntington, via their Homesavers Dept. and the supervisor XXXX XXXX, asked us to submit paperwork in XXXX to have it ended and put on the back of our mortgage, which we returned XX/XX/. On XXXX XXXX our mortgage was reported delinquent. This is ILLEGAL under the CARES Act. I called, they corrected it. Then again XX/XX/XXXX, again it was corrected. Then again in XXXX, and they siad they are " behind '' and be patient- as my credit score site 140 points down. Then again XX/XX/XXXX. On XX/XX/XXXX I was told by XXXX that the paperwork was done and would be all fixed in a week. That did not happen and now she will not return calls. It is XX/XX/XXXX, still nothing. I have talked to two of her team members, who she supervisies, that tell me she will call me back, that it is her issue to fix, and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened an HSBC premier checking account with HSBC with the offer to get {$450.00} after meeting 3 direct deposits of {$5000.00} during 120 days. 

I made the following direct deposits : XX/XX/2020 : {$5000.00} XX/XX/2020 : {$5000.00} XX/XX/2020 : $ 5002 Months have passed and HSBC has refused to post the bonus. 
Despite multiple follow ups, they give me the run around and have failed to honor the promotion. It is to be noted the promotion is still active and even advertised on HSBC.com. see below for the link https : //www.us.hsbc.com/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HSBC has engaged in blatant bait and switch. I met the terms of the offer and they refused to honor it and have given me the continued run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: VT

Complaint narrative:
I have {$20000.00} in my account at Gemini. I have been unable to sign in to my account since XX/XX/21 ( see below ) Despite numerous emails asking for help I have not had a response, other than such as below. I wanted to move my money, and since I can't get into my account, it is unavailable to me, a breach in our contract, I feel. 
This company can not be accessed via telephone. It is playing games with my money and deserves sanctions. 
XXXX XXXX Gemini Mon, XX/XX/XXXX, XXXX XXXX  ( 8 days ago ) to me # # - Please type your reply above this line - # # Our team of experts are diligently working to respond to all requests, due to higher than normal ticket volumes, responses are taking longer than usual. 

In the meantime, our help center is a great resource to find the answers to most questions about Gemini! https : //support.gemini.com/. If you were able to find a solution to your issue we would greatly appreciate it if you let us know by responding to this email. 

We are committed to providing exceptional customer service and appreciate your patience. 

Onward & Upward! 
Gemini Customer Support [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, noncompliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

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