vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-01 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: NY

Complaint narrative:
The following accounts are being incorrectly reported to belonging to me XXXX {$220.00} Charge off XXXX {$500.00} Charge off Neither of these accounts belong to me and I have no recollection of ever opening these accounts. I demand that these fraudulent accounts be removed. These accounts are fraudulent and must be the result of identity fraud. At that time I had multiple fraud alerts placed on my account to prevent this from happening again. 

My rights to fair credit reporting have been violated.

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 2021-10-01 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2021-10-01 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:
On XX/XX/2021 I sent Transunion a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX. I went directly to XXXX to dispute this item in question XXXX could not verify this item so they deleted it from their database. 

I then went back to Transunion on XX/XX/2021 and showed them the deleted bankruptcy from XXXX informing them that they could not reveal how they truly verified this item then it needs to be deleted according to FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.

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 2021-10-01 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: PA

Complaint narrative:
I am beyond annoyed this will be my second complaint I have submitted about my reports not reporting 100 percent accurate I know these errors are FCRA violations. I don't want to have to file and take this matter to the next level. I asked for proof of debt and after 90 days I have heard nothing from anyone. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$360.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$250.00}

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 2021-10-01 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: PA

Complaint narrative:
I am beyond annoyed this will be my second complaint I have submitted about my reports not reporting 100 percent accurate I know these errors are FCRA violations. I don't want to have to file and take this matter to the next level. I asked for proof of debt and after 90 days I have heard nothing from anyone. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$360.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VeriCore, LLC
State: NY

Complaint narrative:
I still have no idea why, but in XX/XX/2021 I got an email from a print shop I used to use saying I had an outstanding balance of {$1500.00}. This is false, has always been false, and will forever be FALSE. 

XXXX XXXX from " VERICORE '' has emailed me and my partner DAILY, since then, despite my efforts to show the initial company very clear proof that I don't owe them any money, and my continued efforts to inform VERICORE that their client has absolutely gotten something wrong. 

VERICORE has ignored all of the material proof I have provided to them to support this fact, only sending nonsensical " threats '' day after day in order to attempt to collect a debt that doesn't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has placed these 2 accounts on my credit report before notifying me within 5 business days. These two companies have not sent me anything in writing to explain why they have sent these accounts to the credit bureaus to upload them to my credit report. According to the FCRA, I am supposed to be notified in writing about accounts that are placed on my credit report and I was not notified. 

XXXX XXXXXXXX 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 2021-10-01 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: American Acceptance Corp. of South Carolina
State: FL

Complaint narrative:
On XX/XX/2021 XXXX XXXX Fl pulled my credit without my permission, on XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX Va pulled my credit without my permission, on XX/XX/2021 American Acceptance XXXX XXXX, SC pulled my credit without my permission and I want them to removed these off my credit report on XXXX Sincerely XXXX XXXX XXXX Fl

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021 XXXX XXXX Fl pulled my credit without my permission, on XX/XX/2021 Capital One Bank XXXX Va pulled my credit without my permission, on XX/XX/2021 XXXX XXXX XXXX XXXX, SC pulled my credit without my permission and I want them to removed these off my credit report on XXXX Sincerely XXXX XXXX XXXX Fl

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 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: NY

Complaint narrative:
The following accounts are being incorrectly reported to belonging to me XXXX/XXXX {$220.00} Charge off XXXX/XXXX  {$500.00} Charge off Neither of these accounts belong to me and I have no recollection of ever opening these accounts. I demand that these fraudulent accounts be removed. These accounts are fraudulent and must be the result of identity fraud. At that time I had multiple fraud alerts placed on my account to prevent this from happening again. 

My rights to fair credit reporting have been violated.

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 2021-10-01 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: NY

Complaint narrative:
The following accounts are being incorrectly reported to belonging to me XXXX/XXXX  {$220.00} Charge off XXXX/XXXX  {$500.00} Charge off Neither of these accounts belong to me and I have no recollection of ever opening these accounts. I demand that these fraudulent accounts be removed. These accounts are fraudulent and must be the result of identity fraud. At that time I had multiple fraud alerts placed on my account to prevent this from happening again. 

My rights to fair credit reporting have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: SC

Complaint narrative:
I have sent in several certified letters to Transunion disputing the accuracies of my Credit report. I have disputed the Collections, closed accounts, and inquiries. I have asked to see proof on how how these collections, closed accounts, and inquires have been verified but have not had any success except the same generic statements that the accounts in question have been verified with no other explanation or proof. I have had the same collections removed from my XXXX report. I have requested that all collections, closed accounts, and inquires that I submitted on XX/XX/XXXX be removed from my credit report.

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 2021-10-01 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: FL

Complaint narrative:
XXXX has placed these 2 accounts on my credit report before notifying me within 5 business days. These two companies have not sent me anything in writing to explain why they have sent these accounts to the credit bureaus to upload them to my credit report. According to the FCRA, I am supposed to be notified in writing about accounts that are placed on my credit report and I was not notified. 

XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
I am the holder of XXXX XXXX  seeking your assistance in resolving a Mortgage payment error that XXXX has refused, ignored or neglected to correct. As of XX/XX/2021, XXXX indicates that I am one-month ( {$2300.00} ) behind and that I have not paid the XXXX payment ( see attached Lakeview Loan Servicing , LLC Dashboard ). My records indicate that I have never missed a payment ( see attached Payment History as of XX/XX/2021 ). 

I have contacted XXXX multiple times over the past 6 months over the phone and in writing. XXXX representatives, including supervisors, have routinely given me empty promises that they will correct the error. I have also not received any call or written confirmation from XXXX about a final resolution to my complaint despite these efforts. Please see a notice under 12 CFR dated XXXX XX/XX/2021 and the final notice dated XX/XX/2021 that I sent to XXXX to which they have not responded.

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 2021-10-01 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Card Receivables Fund Incorporated
State: OH

Complaint narrative:
Hello, I do not recognize the company who is suing me. I do not owe them any money. Someone named XXXX XXXX has tried numerous times to sue me for a debt he bought over 10 years ago. I am not sure if this is the same person. I have not received any court documents. The first I am hearing of this latest law suit is today when the company took {$2200.00} from my checking account leaving me with very little money to pay my bills. It is this same person who was eventually sued by someone else and he had to stop trying to collect from people. He is trying to ruin my credit and my finances. The company Unifund CCR , LLC, XXXX XXXX XXXX, XXXX, OH XXXX is the company that sued me. They can not legally sue me for a debt that I did not take out with them and that is over at least 10 years old, perhaps 13 years old. I need him to stop once and for all. 

The garnishment was dismissed on XX/XX/XXXX. Five years later on XX/XX/XXXX, a certificate of judgement was filed. Almost 3 years later, an aid of execution was filed by the garnishee. It indicates that I was served on XX/XX/XXXX. I never received anything. I moved over a year ago by then but the XXXX County Clerk of Courts says that I received. On XX/XX/XXXX, it indicates the answer of garnishee was filed. I was not privy to that either. On XX/XX/XXXX, the garnishee contacted my bank to take my money. I still have not received any mail. The company or the clerk of courts in XXXX County Ohio can produce any documents stating that I signed anything acknowledging receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: Colony Brands, Inc.
State: MO

Complaint narrative:
XXXX XXXX is reporting to the credit bureaus that I have a {$100.00} credit limit, but my balance is {$270.00}, I called to ask why are they reporting it like that, and was told " your credit limit is {$100.00}, but we allowed you to purchase items totaling {$280.00} '' First item {$92.00}, on a {$100.00} credit limit ... the next item was {$180.00} on a {$100.00} credit limit, so why would they do that, it makes the customer look like they are way over the limit, why not report the total balance you allowed to be purchased? 

Spoke with rude supervisor XXXX, he said " it's over the limit due to missed payments '' NO, it's over the limit because of the charges you allowed I fell behind after Covid and out of work, but it is not the reason it is over the so called {$100.00} limit, This should not be allowed Also I never was told I had a credit limit, when I made the first purchase of {$92.00}, I could have ordered {$300.00} worth of merchandise, the first rep told me that I didn't have a credit limit, he hung up on me and I called back and asked for supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc.
State: GA

Complaint narrative:
Every check I have submitted to Ingo money it has been declined for one reason or another. Today was the best.

A check from a client, from XXXX with everything printed exactly. They declined saying that the name and needs to be pre-printed on the check. It clearly was. It even has the Code from XXXX on the check. 

They can't seem to approve any check, keep getting Error code ( XXXX ) they can't accept a check that is hand written, they can't accept a personal check, they can't accept corporate checks, they can't accept printed checks with every single detail in order. A total of 4 checks have been submitted from small companies, handwritten, printed and electronic from XXXX and they have all been declined. Obviously, they only accept payroll checks. Well many of us don't work for some corporate entity because we are entrepreneurs. 

This service is horrible. They approve nothing, accept no responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
In XX/XX/XXXX I was requested by Paypal to confirm my identity by submitting a photo of my ID and a proof of address. I provided a copy of my passport and a proof of address issued by a government agency to confirm my identity, but the proof of address was not considered valid. Therefore, I sent another proof of address, issued by another government agency, but it was refused for the second time. On XX/XX/XXXX, I was informed that my PayPal account was closed because of security issues and that my balance of USD XXXX would be held for 180 days. 

After several attempts over the course of the years XXXX and XXXX, in XX/XX/XXXX I was finally given the option to withdraw my fund by linking a bank account and transfer the funds. Unfortunately, I can not link the bank account as expected and receive the following error messages : " Sorry, were unable to link that bank because it is disabled. Please try another bank. '' or " This account needs a little help to link it. Contact us and we can help with that, or you can link a different account ''. I have contacted customer service without success as the customer service representatives can not help me solve my problem or give an explanation as to why this is happening. Their only suggestion is to try again after 48 hour. It is worth mentioning that I have waited 72 hours before each call, but I keep getting the same results. I have let the representatives know about this situation, and they say they can not give any other solution other than keep trying every 48 hours. I have been calling every three days for a month now with no luck. I feel hopeless with my funds being trapped. 

Therefore, I respectfully request your help in solving my problem and get Paypal to allow me to withdraw my funds that I earned with honest, hard work and that I very much need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: TX

Complaint narrative:
I paid off my car lease with XXXX XXXX XXXX and closed my account. Eqiufax credit reporting agency is still reporting my account open with a balance. I have disputed this matter twice with Equifax and they keep reporting my report incorrectly. It should say closed with a XXXX balance. I have provided a letter from XXXX XXXX confirming my closed account

Company response to consumer: Closed with explanation