vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian is not reporting all of my good revolving lines of credit. These items should appear on my credit report and they are not showing on Experian. This is the reason why my Experian score is 100 points less than both XXXX  and XXXX. Experian is reporting 4 lines of credit when I have 7 revolving lines of credit. See the attachment for what Experian is missing. This also impacts lenders seeing me as a thin file with Experian as they are only reporting 4 lines of credit. A thin file is less than 5, I have 7 lines of credit open.

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 2021-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
on XX/XX/28 I mailed a letter to AFNI regarding a bill I received from them in the amount of {$150.00}. Its been over 30 days and no response. I've never had any knowledge of this debt and it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: NY

Complaint narrative:
I have been requesting, since XX/XX/2021, verification of these alleged debts that Equifax and XXXX  keep reporting on my credit files. However, they have failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I received 12 calls, all times of the day and night, over a period of 3 days from Sequium Asset Solutions ( XXXX ) XXXX. The agent indicated she was a legal firm collecting a debt in the amount of {$340.00}. She requested my credit card number and said that if I did not provide it I could be arrested. When I asked what company was owed the {$340.00} debt the agent indicated it was 'confidential '. I responded that I did not have any debt and unless she could provide proof of to please stop calling me. The agent became aggressive and said that I could go to jail TODAY if I did not pay. I specifically asked if this was a SPAM call and if so to remove me from the call list. The agent responded that the call was not SPAM and that she was calling from a legal firm and repeated that if I did not provide my credit card I could be arrested. I said I felt I was being harassed and asked that she not call me again. After, I received 3 more calls. I have since blocked the number. The calls were very threatening and disturbing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: Block, Inc.
State: OH

Complaint narrative:
Square closed my account and has not given a direct reason that explains why my account must be deactivated. I am aware of squares terms and conditions and what can cause an account to be deactivated. I have not broken any of the terms and conditions, nor have I experienced any chargebacks. My business is not considered high risk, I own a legitimate small catering business. I have been face to face with every client thus far, as expecting in the food industry. I personally know of 23 people with similar business models using square and I find this to be unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: MI

Complaint narrative:
On XX/XX/2021, I disputed an unverifiable account with TransUnion that theyre reporting on my behalf. I even enclosed a letter coming from the original creditor stating that I was no longer in their system and they could not provide me with the information I was inquiring about. Fast forward to today, I have yet to hear back from TransUnion. They never responded to my dispute and continue to report this unverified account.

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 2021-09-05 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
" I was sold a LEMON. '' Credit Acceptance Corporation placed inaccurate information on my Credit Report.

The vehicle was not Voluntary Surrendered.

The Vehicle was a lemon.

I have requested this company to remove this statement of Voluntary Surrender off of my Credit Report.

I like to have a Consumer Statement of : I was Sold a Lemon to be placed on my Credit Report. Or The Vehicle was a Lemon. The car never was repaired and it was unsafe to drive. 

I, the Consumer, XXXX XXXX paid over {$10.00}, XXXX ( XXXX XXXX Dollars ) into Repairs for this Lemon Vehicle.

The repairs exceeded the value of this Lemon Car. So, Therefore I like for the Statement of Voluntary Surrender to be removed off of 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 2021-09-05 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: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I was never late on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
XXXX has a outstanding bill for a agreement no contract account I was given credits for mistakes Munipulated for account

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 2021-09-05 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: NJ

Complaint narrative:
As a consumer of the United States, I sent Trans Union a formal complaint in on XX/XX/21 about inaccurate and fraudulent information on my credit report that does not belong to me. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on 6 accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature ) for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate fraudulent accounts and under the FCRA, the accounts must be removed. Accounts to be removed immediately. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : XXXX .They have not complied with the law or furnished any documentation with my signature as proof that these items belong to me. Delete this negative information from my consumer report. Their response was After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. TransUnion had the appropriate amount of time by law to verify these items ( via my handwritten signature ). They have yet to provide me with sustainable proof that these items belong to me. By law these items need to be removed from my report if the data furnisher did not submit proof. Trans Union is not abiding by the law and has the nerve to tell me that they need another 30 days. Delete these fraudulent negative items of my 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 2021-09-05 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:
" I was sold a LEMON. '' XXXX XXXX XXXX placed inaccurate information on my Credit Report. 
The vehicle was not Voluntary Surrendered. 
The Vehicle was a lemon.

I have requested this company to remove this statement of Voluntary Surrender off of my Credit Report.

I like to have a Consumer Statement of : I was Sold a Lemon to be placed on my Credit Report. Or The Vehicle was a Lemon. The car never was repaired and it was unsafe to drive. 

I, the Consumer, XXXX XXXX paid over {$10.00}, XXXX ( XXXX XXXX Dollars ) into Repairs for this Lemon Vehicle.

The repairs exceeded the value of this Lemon Car. So, Therefore I like for the Statement of Voluntary Surrender to be removed off of 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 2021-09-05 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: MONEY SOURCE, INC., THE
State: LA

Complaint narrative:
How in the XXXX do you know how to fix the problem if I cant give you any personal information of who I am does not make any sense at all but anyway the money source reported that the loan was delinquent of {$25000.00} when my loan is in process of loan mitigation because the stupid company let the paperwork sit on the desk and we had to redo it but I was assured of the company that it was being handled and she knows who she is by the name of XXXX at XXXX XXXX, that it was handled, but they still reported us as delinquent I need it off the credit report immediately not only that, they dont need to be in business, But I have been making payments and they know that the right hand doesnt know what the left hand is doing they need to get their XXXX together!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on 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 2021-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: FL

Complaint narrative:
The two avante medical collections that Im sure are not mine. Collections have fallen off through out the years but I have not been to the hospital in several years so i dont know why they are popping up on my account. The other two XXXX Im still in the process of paying I know those are most likely mine, but the other two are really suspect to me because they popped on my account out of no where.please help me underStand whats going on here. Im really upset medical accounts keep popping up when I havent been to the hospital in years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I let banana republic/synchrony know that i had a fraudulent charge on my account. When i first spoke to them I thought it had been handled. When I saw ( 1 ) that i was still being charged for the fraudulent charge ( 2 ) i had received some sort of letter about verifying my account info with their fraud team ( 3 ) i was getting charged late fees and such, i reached back out, i believe in early XX/XX/2021. They told me that they needed to cancel my current card and open a new one, which was fine. They also told me that because i let them know that there had been a fraudulent charge, that i would not be responsible for that charge, any fees or interest. It appears that when they opened the new card, they did a balance transfer of the outstanding balance ( which includes the fraudulent charge amount, fees and interest ) and are saying that I owe this amount. In addition, I activated my new card and when trying to use it on their own website to make purchases from banana republic brands, it has displayed various errors and i have not been able to take advantage of the rewards program. 

I would like them to ensure that i am no longer responsible for the fraudulent charge or any interest or fees associated with the charge. I also would like them to make sure i can actually use my new card. I would also like them to ensure my credit bureau reporting is accurate and does not make it seem like i am late or have an outstanding balance.

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 monetary relief
Consumer complaint received 2021-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I asked for a permanent credit freeze in XX/XX/2020 with Experian because of identity fraud concerns. After I resolved my concerns, I have sent two certified letters to Experian asking them to remove the permanent credit freeze. I have received acknowledgements they were working on the removal, but when I actually try to work with a lender, the freeze remains. I am attaching my latest certified letter to Experian to confirm I have tried to resolve this matter on my own.

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 2021-09-05 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: IA

Complaint narrative:
To Whom It May Concern May I please request your assistance in resolving a matter regarding a Hard Inquiry on all three of my personal credit reports that is fraudulent activity not requested by me. The company is known as : XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH,XXXX This is for a charge card this inquiry is scheduled to continue on record until XX/XX/XXXX. My personal statement on all three credit reports clearly states that I am a victim of identity theft and that I am to be personally contacted before any credit report is pulled. Furthermore I have a credit freeze on all three credit bureaus. I never initiated any inquiry of any kind for a credit card

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 2021-09-05 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: IA

Complaint narrative:
To whom it may concern May I please request your assistance with a hard inquiry showing on all three of my personal credit reports. credit reports I have personally tried to no avail to dispute this hard inquiry. My credit report clearly shows in my personal statement that I have been a victim of identity theft and to contact me personally before attempting to pull my credit report. I also have a freeze associated with all three reports. I have in earnest attempted to contact the originator of the hard inquiry only to be denied the removal of such. The company in question is : XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX noted for real estate on behalf of XXXX, XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 
I never initiated this hard inquiry.

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 2021-09-05 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: IA

Complaint narrative:
To whom it may concern May I please request your assistance with a hard inquiry showing on all three of my personal credit reports. credit reports I have personally tried to no avail to dispute this hard inquiry. My credit report clearly shows in my personal statement that I have been a victim of identity theft and to contact me personally before attempting to pull my credit report. I also have a freeze associated with all three reports. I have in earnest attempted to contact the originator of the hard inquiry only to be denied the removal of such. The company in question is : XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX noted for real estate on behalf of XXXX, XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 
I never initiated this hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
on XX/XX/2021 Paypal issued a decision whereby they refunded a previous tenant whom was renting my property a refund in the amount of {$1800.00} for the month of XXXX rent. The buyer paid me ( at his request ) the monthly rent payment via paypal. He lived in the property the entire time up til XXXX the day of his last rent payment and fulfilled the occupancy terms of the lease. Payment for lease = Time lived in property. He used his last payment date as the transaction he opened a dispute against me stating he had not received his security deposit back yet. First he left the property with significant damages while also I followed the Georgia OCGA code ; which states that if the tenant does not provide a forwarding mail address that I then must mail him a copy of the moveout inspection report with final accounting provided. ( It was stated in writing that he must provide forwarding mail address for final security dep if any due to be sent to, and 2. it was stated that he should participate in a move out inspection of the property 3-5 days at max after vacating. He did NOT do either. I provided the lease contract which stated these details to paypal and he paid his security deposit via a personal check drawn off renesant bank with memo note indicating security deposit. I also provided a copy of cleared check to paypal. They stated I needed to provide tracking number for shipment. I asked how or what I could get this information from as it was impossible to obtain considering the circumstances. I did provide a copy of text messages from the tenant showing where they texted me the date they vacated telling me it was empty and they were moved out. None of this helped and after 3 calls to paypal desperate for help they still gave him a refund of {$1800.00} now i owe paypal {$1800.00} and I need help to resolve this matter. one that paypal never should have been involved in to any regard, as well the tenant fraudently disputed his rent payment which he received occupancy of the property for the entire time. His security deposit was paid via a personal check not paypal and he stated in his dispute he was seeking his security deposit back. Which again the amount of damages he left when vacating was substantial and I am taking him to small claims court to resolve that matter

Company response to consumer: Closed with monetary relief