vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-28 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: STERLING JEWELERS, INC.
State: LA

Complaint narrative:
As a result of COVID-19 I was unable to pay on my credit card because the place where I paid the card from the first time I used the credit card was closed due to the pandemic so I was given a 30 day late on my credit card. The company is Kay 's and the bank is XXXX XXXX XXXX. I have always paid my bill from the day I made the debt. I reached out to the company explaining my disposition but no matter what they stated they had no good will program therefore they could not or would not help me. A 30 day late payment decreases the credit score significantly and I was in the process of closing on my first home. I explained that I attempted to pay by other means but due to the hours I work I was only able to call on my break and at that time I was unable to get through or when I attempted to pay on the website it would take me halfway through then kick me out. This situation was brought to my attention on XX/XX/2020. I could and would understand this if I was frequently late but this is nor was the case, so now my family will not be able to purchase our home. The pandemic has totally taken everything from me. All I'm asking is for understanding and help so that I can better me, my family and our future because if this 30 day late payment is not removed it will be a year or more before I can raise my score back to where it needs to be to purchase a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Never used any funds from this Company, was a co-signer but owner is paying on student loans. Bankrupcy chapter XXXX and disable ... 
Company already discharged it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: TN

Complaint narrative:
XXXX  removed XXXX XXXX XXXX from my credit report with the fraud settlement documentation I received from the courts. But Equifax and XXXX  will not remove the charge off. The charge off on my credit report was qualified from the year and state involved in the lawsuit settlement. I have sent them the documents but they refuse to remove XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: TN

Complaint narrative:
XXXX  removed XXXX XXXX XXXX from my credit report with the fraud settlement documentation I received from the courts. But XXXX  and Experian will not remove the charge off. The charge off on my credit report was qualified from the year and state involved in the lawsuit settlement. I have sent them the documents but they refuse to remove 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 2020-06-28 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: OH

Complaint narrative:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 )  ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: OH

Complaint narrative:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 )  ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

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 2020-06-28 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: OH

Complaint narrative:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 )  ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

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 2020-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I received a notice from XXXX  that Synchrony bank increased my credit card limit from {$6000.00} to {$8500.00}. I never requested this nor do I want it. I asked them to reverse it but I dont trust them. I want my limit back to {$6000.00} and my account noted to NEVER change my credit limit without permission.

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 2020-06-28 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: OH

Complaint narrative:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: OH

Complaint narrative:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

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 2020-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
I have not had XXXX XXXX XXXX as a service since 2009 and when i left them i paid off my account and contract with nothing owed. Today i have a new collection on my report from a collection company that bought the debt from XXXX XXXX XXXX. I've tried to communicate with them and the credit bureaus that this debt is not mine but have not gotten any results. Please help as it is affecting my ability to get the best home interest rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-28 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: OH

Complaint narrative:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

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 2020-06-28 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: CarMax, Inc.
State: FL

Complaint narrative:
I was car shopping but couldnt make a purchase because I do not have a valid license. I submitted an inquiry to speak to someone about the car buying process because I have never bought a car before. I have to wait until XXXX to get my license due to covid. This morning I randomly get an email from XXXX XXXX with rates for a car but I have never talked to anyone. 
I checked my credit and saw six inquiries from multiple banks that I Did not authorize at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: FL

Complaint narrative:
I was car shopping but couldnt make a purchase because I do not have a valid license. I submitted an inquiry to speak to someone about the car buying process because I have never bought a car before. I have to wait until XXXX to get my license due to covid. This morning I randomly get an email from XXXX XXXX with rates for a car but I have never talked to anyone. 
I checked my credit and saw six inquiries from multiple banks that I Did not authorize at all.

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 2020-06-28 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: FL

Complaint narrative:
I was car shopping but couldnt make a purchase because I do not have a valid license. I submitted an inquiry to speak to someone about the car buying process because I have never bought a car before. I have to wait until XXXX to get my license due to covid. This morning I randomly get an email from XXXX XXXX with rates for a car but I have never talked to anyone. 
I checked my credit and saw six inquiries from multiple banks that I Did not authorize at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: FL

Complaint narrative:
I was car shopping but couldnt make a purchase because I do not have a valid license. I submitted an inquiry to speak to someone about the car buying process because I have never bought a car before. I have to wait until XXXX to get my license due to covid. This morning I randomly get an email from XXXX XXXX with rates for a car but I have never talked to anyone. 
I checked my credit and saw six inquiries from multiple banks that I Did not authorize at all.

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 2020-06-28 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: NV

Complaint narrative:
EXPERIAN HAS REAPPLIED ONE ACCOUNT THAT WAS DISPUTED/DELETED WITH XXXX XXXX XXXX THAT NOW SHOWS AS BELOW ON MY CREDIT FILE : XXXX XXXX {$0.00} Closed 3 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX XXXX XXXX {$0.00} {$750.00}

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 2020-06-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I'm trying to use the XXXX XXXX and a XXXX XXXX to get a better control of my financials and they dont allow cross sharing my banking info, even though i logged in and provided all the encessary informatoon to release my information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: OH

Complaint narrative:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to  follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

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 2020-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One is incorrectly reporting the payment history to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I received notice from XXXX XXXX that merchandise I had ordered was being shipped. I had not placed this order. It was being shipped to an address in XXXX. They said I had paid {$210.00} using my PayPal account. I have never used PayPal to pay or buy anything, only as a way to be paid during pandemics. I contacted PayPal, but could not raise a human, only shuttled through options. After some time I was able to get a investigation started that I was told may take 10 days. So I then contacted XXXX XXXX to ask them to cancel the order, but they said they could not and that I would have to go to PayPal. I returned to PayPal in an effort to expedite the investigation with little effect. In desperation to halt this, I contacted my bank and put a stop payment on PayPals withdrawal. Now PayPal becomes more interested. They inform me that my bank refused withdrawal. They then removed the amount from payments I was receiving via my business, music teacher. They then informed me that they found nothing inconsistent with my account and closed the investigation. I would like my money back. And so am filing a complaint here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-28 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: NV

Complaint narrative:
XXXX Opened XX/XX/XXXX + {$450.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX + {$160.00} Original creditor : XXXX XXXX   XXXX Opened XX/XX/XXXX + {$220.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$1000.00} Original creditor : XXXX  XXXX XXXX  XXXX XXXX  all ftc violations filed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: OH

Complaint narrative:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to  follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

Company response to consumer: Closed with explanation