vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-07 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: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress  you caused me. My information was also affected by the XXXX AND  THE XXXX data breach and may have gotten into the wrong hands.

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 2021-12-07 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: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND  THE XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: FL

Complaint narrative:
XXXX XXXX XXXX financed through XXXX sold and no longer ours as of XXXX XXXX. Payoff via XXXX to XXXX! Let us all see how long it takes to go onto my and my daughter 's credit to improve our score and debt to income for all of us????

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 2021-12-07 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$460.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Received text message that Wells Fargo credit card may be compromised so I followed the link and unfortunately provided all my personal and private information. I have also had an unemployment claim filed that is fraudulent as I am still employeed. 

Text link came from http : 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 2021-12-07 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: TX

Complaint narrative:
There are fraudulent accounts and inquiries done in my name i was mugged at a XXXX the jacker took my purse with my bill folder inside along with my driver license and social and the fraudster opened up accounts in my name and used fraud addresses in order to obtain credit in my name I have tried to resolve the issue with the merchants but i was not 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 2021-12-07 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: FL

Complaint narrative:
XXXX XXXX XXXX financed through XXXX sold and no longer ours as of XXXX XXXX. Payoff via XXXX to XXXX! Let us all see how long it takes to go onto my and my daughter 's credit to improve our score and debt to income for all of us????

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 2021-12-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been over 60 days and I haven't received any investigation results.

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 2021-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner. 

Date : XX/XX/2019 Amount : {$900.00} Filed FTC report and contacted original 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 2021-12-07 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: EQUIFAX, INC.
State: NH

Complaint narrative:
On XX/XX/2021, I mailed XXXX copies of certified mail to each of the credit bureaus. As I type this, the date is XX/XX/2021. None of the bureaus have reached back out to me. These inaccurate items on my credit report have harmed my ability to obtain credit. I am in the process of building a business that requires data only internet lines, and XXXX has charged me fees due to these inaccurate marks. I was also denied housing, and have had my credit lines closed or decreased with various companies. I have been denied a pre-approval for a vehicle, and have I used to have great credit until XXXX XXXX XXXX XXXX XXXX XXXX XXXX put these inaccurate, negative marks on my account. Also, these companies are reporting inaccurate late payments to XXXX XXXX. In the case of Equifax, they have my name wrong on one account, and are double reporting 2 late payments twice, so any lender who pulls from Equifax will see 4 late payments to XXXX XXXX, and I was never late, because XXXX XXXX allows for a 15 day grace period before assessing any late fees. 

In the case of XXXX 'XXXX XXXX, they have sent confusing and inaccurate data regarding the amount owed. Please see attached that shows what all 3 credit bureaus are reporting, and what XXXX XXXX XXXX sent me. If I were to pay the {$340.00} in the letter that they claimed that I owe, I would have overpaid what I owed, resulting in financial injury. If I paid the amount that the bureaus claim that I owe, I would have paid less than what XXXX  's claims that I owe. In any event, creditors and the bureaus are not allowed to report inaccurate information, and therefore, the XXXXXXXX XXXX XXXX chargeoff must be removed according to the Fair Credit Reporting Act ( FCRA ). 

In the case of XXXX XXXX XXXX, the bureaus are reporting that I allegedly owe {$6900.00} to XXXX XXXX XXXX. However, according to XXXX & XXXX, they claim that I owe {$6800.00}. As I said previously, creditors and the bureaus are not allowed to report inaccurate information, and therefore, the XXXX & XXXX chargeoff must be removed according to the Fair Credit Reporting Act ( FCRA ). 

Equifax, XXXX and XXXX are reporting information that is inaccurate, and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: AR

Complaint narrative:
In XXXX I wrote a letter requesting verification for items on my credit report that are inaccurate. To this date, I have yet to receive verification, a response from the companies, nor a removal of the inaccurate information.

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 2021-12-07 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: EQUIFAX, INC.
State: AR

Complaint narrative:
In XXXX I wrote a letter requesting verification for items on my credit report that are inaccurate. To this date, I have yet to receive verification, a response from the companies, nor a removal of the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: PNC Bank N.A.
State: TX

Complaint narrative:
I tried to complete my payment on several occasion over the phone unfourtunaly my job XXXX make me very dificlt to attend to the branch, PNC happen to acquire BBVA bank and the transition process has been horrible, I havent received my debit card or my credit card in the mail, I have tried several atempts to get it to my address, last atempt today they make an appointment at XXXX at a branch that only friday closes at XXXX, I tried to pay with my debit card over the phone calling the branch and been directed several times to the costumer service, costumer service pass me to credit card care department and they are not able to receive my payment with a debit card, they said their system dont allow them to receive a debit card payment, I receive the same response from costumer service one time one costumer service told me to doit in the website of PNC or with the mobile phone banking in the phone and follow his instruction they are not able. 
This been a horrible experience, now they posted a late payment in my credit report with a drop of XXXX point in my credit report. I called again costumer service in a recorded line and I am now able to pay. I will need to loose a day wage in order to go and make a payment and now my credit its been affected in a irreparable way. On top of this its almost XXXX min for everytime to talk to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Recovery Solutions LLC
State: FL

Complaint narrative:
XXXX. Received phone call from Atlantic Recovery Solutions. They stated that I owe debt to XXXX XXXX with XXXX XXXX. I XXXX XXXX was put as an authorized user on XXXX XXXX XXXX card. Authorized users per the guidelines are not responsible for debt owed. The debt collector kept stating that XXXX is a co-signer but failed to provide proof of that. They failed to provide proof of the original bill showing who owes the debt. I never had a physical card either. They have made threats about court and judgements placed on my name. They have called multiple family members in an attempt To collect XXXX XXXX debt. XXXX also contact them to set up a payment arrangement yet they still Placed my name on the validation letter. Furthermore, if I owed this debt to XXXX XXXX why was I never contacted about this debt since its from XXXX and it has never been placed on any credit report. Please see to it that this complain gets resolved this collection agency utilizes nasty and illegal tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did contact Equifax to move all my ITIN credit history to my new SSN. They told me I should send a letter asking for this with a copy of my important documents, I did it on XXXX, they told me to wait XXXX business days, so today XX/XX/2021 I did call to check if my information has been updated. Their answer was that they don't know exactly what happened to my documents, that they have a machine that read and process whatever is received via fax, and that in the majority of cases, the machine just can't read the ugly fax documents and just like that, in silence, the documents are now lost. They told me there's no way for them to know what happen to the documents and there's also no way to post a complaint, as they are the only ones available to take customers, they were not able to raise a complaint also, so basically it's a dead-end... please help. 

They told me to send the documents by fax, again, and again... and I did ask, why? to be rejected again? but the guys there are like recorders, they just say this time after time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In XXXX I wrote a letter requesting verification for items on my credit report that are inaccurate. To this date, I have yet to receive verification, a response from the companies, nor a removal of the inaccurate information.

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 2021-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2
State: TX

Complaint narrative:
I inquired about a debt reporting on my credit report. I have reached out asking for documents stating the debt I owe. I have not been provided any documentation. Instead I was given a copy of an affidavit stating Persolve Legal Group purchase debts from XXXX. I am requesting again a copy of the debts that you say I owe, a copy of the contract with my name & signature, and a copy of a 1099c if applicable. You are reporting false information on my credit report which is damaging my credit report. Also, you are reporting late payments for a debt I do not owe you. Please provide the agreement I made with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I just checked my credit report today and noticed a delinquent account that I have no idea what its for. The debt collector is Fair Collections & Outsourcing account # XXXX in the amount of {$3900.00}, original creditor is XXXX XXXX. The account is as opened XX/XX/2018.

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 2021-12-07 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: Goal Structured Solutions, LLC
State: ME

Complaint narrative:
Launch Servicing , LLC is slandering my credit reports, claiming that I owe several thousands of dollars on a student loan THAT I NEVER TOOK OUT. I had APPLIED for a student loan with this company nearly 3 years ago for a XXXX XXXX XXXX XXXX course that I WAS going to take and I was approved for said loan ; however, there were MANY red flags about the online school that I was planning to enroll in, the most concerning of which was that I discovered they did NOT have the proper XXXX accreditation that was needed. Had I not completed a course that was XXXX accredited, I would not have been able to obtain employment as a XXXX XXXX. Therefore, I immediately CANCELED my enrollment in this course and NEVER TOOK IT. However, for the past 2 years, Launch Servicing , LLC has been falsely reporting to the credit bureaus every single month that I have not paid them and they continue to tack on illegal fees to inflate the balance. 

Launch Servicing is in direct violation of the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. They have been made fully aware that I DO NOT owe this debt, yet every month, this company is repeatedly communicating incorrect and defamatory information to third parties, including, but not limited to XXXX, XXXX, and XXXX. This false reporting has reduced my once excellent XXXX score of XXXX to XXXX and it continues to drop as a result of these incorrect missed payments being reported monthly. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages in that I am unable to obtain new credit and I was even turned down for a job that required a credit check as a direct result of this incorrect reporting. There are MANY complaints against Launch Servicing , LLC relating to credit reporting/collections and even a lawsuit that was filed against Launch Servicing this year in XXXX, XXXX XXXX Launch Servicing , LLC et al ( https : XXXX ). 

I am now demanding the immediate and complete removal of this account from my credit reports. If your company XXXX Launch Servicing , LLC ) fails to comply, you will be required to appear in a court of law and I will be allowed to seek monetary damages from your company.

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 2021-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: NC

Complaint narrative:
This information has been removed off of another account, therefore it needs to be removed off my XXXX and XXXX account. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal has denied my dispute XXXX XXXX 100 % do not agree with the decision. I have never banked with XXXX XXXX XXXX before and I have evidence of my account being hacked. I have worked with PayPal to finally get these funds released and was locked out of my account until now only to discover the funds being withdrew to someone else account. 
I have uploaded evidence of my account being compromised. I have also reached out to authorities and am currently waiting on the Police Report. I am asking PayPal to fully review this dispute in detail and to partner with XXXX Bank immediately to recover these funds and pursue and action against the person who obtained my information to make this transfer.

Company response to consumer: Closed with explanation