vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-19 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: NC

Complaint narrative:
CRA is in direct violation of FCRA 605B ... ..

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 2019-11-19 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 — Problem with personal statement of dispute
Company: Firstsource Business Process Services, LLC
State: MO

Complaint narrative:
I disputed 2 accounts on my credit report with XXXX XXXX and they were deleted, however it was reinserted on my credit file The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified. the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information. 
the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide you notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( 5 ) ( B ). The accounts in question is as followed XXXX Account number XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXAlso XXXX there is an account that was previously deleted and re added One Advantage that I would like a certificate of accurancy.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: GA

Complaint narrative:
Disputed a bankruptcy reporting on credit report. Credit bureau reported that they verified information. However, I contacted the company that credit bureau stated that verified information and was advised that not only did they not verify information, but they do not provide information directly to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT 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 2019-11-19 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT 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 non-monetary relief
Consumer complaint received 2019-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
The following letter was sent via inbox/upload email to them ( some modification occurred due to having personal information ) : Good Morning Navient, I have submitted paper works back in XX/XX/2019 about my Navient account history, not reflecting the {$200.00} paid and withdrawn from my XXXX XXXX XXXX   account on XX/XX/ 2019. This will be my second time reaching out. I received an email in my inbox/upload that just showed my account history even after providing the documentation needed to show that {$200.00} was withdrawn from my account. I am therefore provided the documentations once again along with my bank statement and confirmation email I received from your team. I am hoping that we get this solved as I plan on making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Byrider Franchising, LLC
State: SC

Complaint narrative:
I am not even financing anything through CNAC. However, the person that lived in this apartment before me did. I was at home relaxing and cooking and get a BANG at my door that was so startling I was shaking and afraid to open the door. I hear a man say She isnt answering! Then they slipped in an envelope. ( This is the 3rd time theyve come by ) I opened it and called the number and was greeted on the other end of the phone by a lady name XXXX that was so obnoxiously rude. I told her about how scared I was and Im not sure who they are looking for but lady doesnt live at this address anymore. She was raising her voice at me and was so inconsiderate. I had the rental office follow up with her and she told them not to call back and hung up the phone. I have asked them to refrain from coming to my residence. I feel like I am being harassed and I not the one they are looking for. Again, I am NOT a customer with this company nor do I owe them again!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is double reporting with XXXX # XXXX on my credit report. I got scammed via my XXXX   XXXX when someone got my info and had {$5000.00} deposited and then told me to send {$2500.00} of that to them via XXXX XXXX. I got a police report number to file but got a judgement. I was served and signed an agreement with XXXX to pay off the rest. XXXX XXXX should be a zero balance and I should not have these accounts as they are fraud.

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 2019-11-19 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: CO

Complaint narrative:
XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$2400.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently by my ex-wife. I did not give her permission to open this account nor did I authorize this account to be opened. The incorrect reporting of a collection/charge-off an account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item 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 2019-11-19 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is double reporting with XXXX # XXXX on my credit report. I got scammed via my XXXX   XXXX when someone got my info and had {$5000.00} deposited and then told me to send {$2500.00} of that to them via XXXX XXXX. I got a police report number to file but got a judgement. I was served and signed an agreement with XXXX to pay off the rest. XXXX XXXX should be a XXXX balance and I should not have these accounts as they are fraud.

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 2019-11-19 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: VA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 non-monetary relief
Consumer complaint received 2019-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I reached out to an individual that was offering online services for a multiplayer game. We discussed their rates and settled on the agreement of {$100.00} to receive their assistance to leverage ( boosting ) my account in this multiplayer game further. I asked if they could send me an invoice on Paypal, but they felt uncomfortable, and asked to send the money through gift. I was fine with that, assuming that I would receive the service that I had paid for. 

This discussion began during XXXX XXXX, 2019, and the service needed to be completed by XX/XX/ 2019. I asked if they could send me an invoice for tax purposes through a pdf, and they agreed. Looking back it now, I never confirmed their existence and whether it was a reliable transaction. The Paypal was sent to a XXXX Paypal, and their invoice address was a fake address in Florida. 

This person has halted communication with me, and I feel swindled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Please see the attach Letter. 

Tuesday, XX/XX/, 2019 Dear Consumer Protection Financial Bureau : My complaint is against Capital One - Walmart Credit Card. 
On Sunday, XXXX XXXX2019 I used my Walmart Credit Card to have cash back and to purchase two items. 
I checked out at the Walmart self service register with a grocery purchase of XXXX dollars and XXXX cents and a Cash Back Request of XXXX dollars. 
My card was Declined so I tried a XXXX Cash Back Request and a grocery purchase of XXXX dollars and XXXX cents. My card was declined again. 
I called Walmart Card Customer Service at XXXX XXXX and the representative told me that the cash back limit on my Walmart Credit Card is XXXX dollars cash back. 
The representative also told me that my Walmart Credit Card is now charged XXXX dollars and XXXX cents. I explained to the representative that I have not received merchandise or cash back. 
I also explained to the representative that the items were snatched from my hands by the attending clerk and security personnel was called and posted. I asked for a supervisor. The supervisor reported and spoke to the representative and told him that my card was declined and I did not receive cash back.

I left Walmart and went home and called Walmart Credit Card Customer Services. A  representative stated that he was a supervisor and that the charges would drop off. 
The charges have posted to my account and I am now being charged for the cash back and the grocery purchase. I called the Walmart Credit Card Customer Service at XXXX and the representative told me that the problem is with the Walmart Store. 
My credit score is now impacted and I have a balance due that is way over my Walmart Credit card limit. I am humiliated, frustrated and without the benefit of cash back and groceries that I needed. Thus, I am asking for the help of the Consumer Protection Financial Bureau to resolve my dispute with my Walmart Credit Card through Capital One. 
I wish for Walmart Credit Card through Capital One to understand that my credit card only has a limit of XXXX dollars for cash back thus it is impossible to be charged over this amount for cash back!! 
I wish to have the erroneous charges deleted from my account along with the updated information sent to the three credit bureaus and then be able to close my Walmart Credit Card account so that I will not have to suffer the pain and embarrassment associated with using Walmart Credit. 

Thank You in advance for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-19 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: GA

Complaint narrative:
Disputed a bankruptcy reporting on credit report. Credit bureau reported that they verified information. However, I contacted the company that credit bureau stated that verified information and was advised that not only did they not verify information, but they do not provide information directly to third parties.

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 2019-11-19 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: GA

Complaint narrative:
Disputed a bankruptcy reporting on credit report. Credit bureau reported that they verified information. However, I contacted the company that credit bureau stated that verified information and was advised that not only did they not verify information, but they do not provide information directly to third parties.

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 2019-11-19 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 — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I disputed 2 accounts on my credit report with XXXX XXXX and they were deleted, however it was reinserted on my credit file The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified. the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information. 
the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide you notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( 5 ) ( B ). The accounts in question is as followed XXXX Account number XXXX XXXX XXXX XXXX Account # XXXX Transworld System INC.Also XXXX there is an account that was previously deleted and re added XXXX XXXX that I would like a certificate of accurancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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 — Problem with personal statement of dispute
Company: Commonwealth Financial Systems, Inc.
State: MO

Complaint narrative:
I disputed 2 accounts on my credit report with XXXX XXXX and they were deleted, however it was reinserted on my credit file The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified. the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information. 
the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide you notice of their reinsertion, then the reinsertion was a violation of section 611 ( a  ) ( 5 ) ( B ). The accounts in question is as followed **** Account number XXXX Common wealth fin. Account # XXXX XXXX XXXX XXXX.Also XXXX  there is an account that was previously deleted and re added XXXX XXXX  that I would like a certificate of accurancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I noticed a collection was added to my XXXX  account from Common Wealth in the amount of {$1600.00}. The original creditor is XXXX XXXX XXXX XXXX. 
But there is another collection agency currently reporting and trying to collect on this same account. To my knowledge, it is illegal for two collection agencies to collect on the same debt. 

Commonwealth has NEVER sent me a dunning letter or provided any proof that they are legally able to collect on this debt or that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I paid off the subject loan weeks ago yet continue to receive email messages saying I have a missed payment. I have attempted to contact the company by responding to its direct email messages as well as calling them yet they continue to send these messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: High Performance Capital
State: AZ

Complaint narrative:
High Performance Capital # XXXX is reporting a debt that I do not owe. I was in a car accident and the insurance was supposed to pay for this, I should not have this debt on credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation