vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 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: CA

Complaint narrative:
I am begging for help with Equifax they have placed a fraud account on my credit report for US DEPT OF EDUCATION. I have explained a million times that I have never been to college or taken a loan in my name for education for my self or anyone else. I previously submitted a police report and an identity theft report. I called to follow up they told me they never got it but some of the accounts that was included on that report they deleted. I called back to follow up again the Rep said he could not look back in the files at old information even if this account was included. They have made this an entire nightmare. I have been trying to get this account that someone else opened off my credit but it seems as a punishment someone will not " READ & UNDERSTAND '' THIS A FRAD ACCOUNT OPENED IN MY NAME. Each time I contact CFPB XXXX  responds that this matter must be investigated which they never do please look at all the complaint and have them delete this account IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$10000.00}, {$7100.00}, {$4300.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 


-- AUTO LOANS OR LEASES 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 


-- XXXX XXXX 5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted Experian multiple times regarding inaccurate public records showing on my credit report. I sent a method of verification on XX/XX/XXXX. Experian letter response " Experian may have obtained through a third party vendor XXXX XXXX XXXX XXXX ''. I contacted XXXX by sending a method of verification on XXXX. XXXX was unable to verify the information requested, As a result, XXXX Subsequently removed bankruptcy record on XX/XX/XXXX. 

I attached all the letters showing multiple attempts.

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 2021-06-15 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Syncb/cc Inquiry from XX/XX/2021 - Finance that their customer service would not help and take care of the negative inquiries reporting to your credit report. Remove 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 non-monetary relief
Consumer complaint received 2021-06-15 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
State: NJ

Complaint narrative:
I was asked for verification of ID and address, paypal did not accept it and XXXX was completely unhelpful. Later closed account with all money in it. 
I was asked to verify my account details approximately a month ago. I uploaded a picture of my passport and it was accepted, but when it came to address, they rejected it. 

I uploaded a copy of my electricity bill as given to me by my landlord, and it was rejected. Customer support was completely unhelpful and basically didn't even read my complaints. I was told that there was certain criteria, and it all met it. I asked for a call back by XXXX and was later given one. The guy on the phone told me that the upload actually failed, and that they did not receive anything from me. I reuploaded the scan of the bill. The next day, I received an email stating that my account has been terminated ( The XXXX ). I tried calling them and was redirected online. All my messages and emails to paypal have been unsuccessful and not responded to. I also tried to message them on XXXX with no response. This was in XX/XX/2020. They wanted me to wait 180 days to get my money back, but it has been much more than that, and I have yet to get my money back from Paypal. They additionally are completely unresponsive to both messages, and the phone line redirects me to the message center on paypal, which does not respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: CA

Complaint narrative:
I am begging for help with Experian they have placed a fraud account on my credit report for US DEPT OF EDUCATION. I have explained a million times that I have never been to college or taken a loan in my name for education for my self or anyone else. I previously submitted a police report and an identity theft report. I called to follow up they told me they never got it but some of the accounts that was included on that report they deleted. I called back to follow up again the Rep said he could not look back in the files at old information even if this account was included. They have made this an entire nightmare. I have been trying to get this account that someone else opened off my credit but it seems as a punishment someone will not " READ & UNDERSTAND '' THIS A FRAD ACCOUNT OPENED IN MY NAME. 
Each time I contact CFPB XXXX  responds that this matter must be investigated which they never do please look at all the complaint and have them delete this account IMMEDIATELY.

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 2021-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc
State: MA

Complaint narrative:
Hi ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: CA

Complaint narrative:
Experian & XXXX  have not removed a disputed debt currently owned by XXXX XXXX XXXX reported on my credit report. XXXX  purchased the alleged debt from XXXX XXXX. 

XXXX  has done their proper due diligence and has had the incorrect debt 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 non-monetary relief
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2021-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc
State: NV

Complaint narrative:
ATTENTION TO PLUSFOUR INC I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company PLUSFOUR INC in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire AN ACCOUNT. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2021-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I was offered a Secured CC on XXXX XXXX through Citibank as a way to Build/Repair your credit. I opened it with a {$300.00} Deposit on XX/XX/2021 and that was my credit limit. Per their Pamphlets Citibank would revaluate your account and refund your {$300.00}. After 18 months of successful payments and responsible use. I made the payments before the due dates and in full never just the basic Payment. I made a {$230.00} Pymt on XX/XX/2021, I called XXXX XXXX, 2021 to let them know it would not go through and I needed them to stop sending it so I could make the Payment on XX/XX/2021. On XXXX-21 they said I owed {$320.00} and I made the Payment. I called on XXXX-21 to ask why the online account was still showing. {$230.00}. Pymt was needed and I only had a $ XXXXCredit Limit. They said pymt would post by XXXX-21. That evening XXXX21 my account was closed I called to ask why the first rep said security issues they were not privy to I asked for a Managing Supervisor she said no not a security issue I would recieve a letter in the mail as to why. I asked about my deposit and she said that was what I had been using and I said if so then why did I owe {$320.00}. If you were using my {$300.00}. Deposit then I should have only owed {$28.00}. I am out of {$620.00} I was using this yo build my credit and fico score so I can rent a home for my family because we have been homeless since XX/XX/2021. Now all of that is going to be affected by the scam a supposedly reputable company Citi bank XXXX was offering this is a scam and XXXX XXXX needs to take this off their website so no other consumer is affected like I have been.

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 2021-06-15 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: GA

Complaint narrative:
This Collection is showing on my credit report with Experian : XXXX XXXX, XXXX XXXX creditor : XXXX {$370.00} Account number XXXX Collection opened XX/XX/2021 Balance updated XX/XX/2021 This does not belong to me I call and verify this is under a XXXX XXXX with a SS # ending in XXXX. When I advise them to deleted the collection agency disconnected the call. I never had 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 2021-06-15 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: CA

Complaint narrative:
XXXX  & TransUnion have not removed a disputed debt currently owned by XXXX XXXX XXXX reported on my credit report. XXXX  purchased the alleged debt from XXXX XXXX. 

XXXX  has done their proper due diligence and has had the incorrect debt 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 2021-06-15 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: CA

Complaint narrative:
There are two accounts on my credit report I have not opened these or used these accounts they are not mine this si identity theft!!!!! 

XXXX XXXX XXXX - Acct # XXXX Amt {$10000.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$9100.00} Opened XX/XX/XXXX 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 2021-06-15 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: CA

Complaint narrative:
There are two accounts on my credit report I have not opened these or used these accounts they are not mine this si identity theft!!!!! 

XXXX XXXX XXXX - Acct # XXXX Amt {$10000.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$9100.00} OpenedXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
cant get into my credit report : please send me a copy

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 2021-06-16 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
cant get into my credit report : please send me a copy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Remex, Inc.
State: NJ

Complaint narrative:
I received a letter in late XX/XX/2021 from Remex Inc for a XXXX dollar copay that I apparently did not pay for XXXX XXXX in NJ. No clue how it ever got to this point. Never received a letter. Would have just paid it immediately had I known about it. Neither here nor there though. 

I immediately paid Remex with my XXXX  Credit Card to avoid this from showing up on my credit report as I am in the middle of closing on a house. I can't imagine a XXXX dollar mortgage deal being ruined because of a XXXX dollar copay ... 

I was recently checking my XXXX  Credit Card transactions and noticed there was an additional XXXX dollar fee for " Cash Advance. '' Basically, the way Remex charged me wasn't a regular credit card transaction. It was some sort of weird cash advance. I called Visa and they removed that fee for me. I asked Visa why this went through as a Cash Advance and they told me it's because Remex Inc charged me using some sort of cryptocurrency. 

The whole Remex operation seems really shady. I called Remex and asked them why they charged me as a cash advance and they couldn't give me any sort of explanation. They're just rude and unhelpful.

Company response to consumer: Closed with explanation