vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 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: FL

Complaint narrative:
I made numerous attempts to file an online dispute concerning false credit reporting items on my TransUnion credit report viewed on the TransUnion website. Every attempt the website did not allow the dispute to be filed and the error Dispute Temporarily Unavailable appeared. I called TransUnion customer support on number XXXX Saturday XX/XX/XXXX at XXXX XXXX to report the website does not allow a dispute to be filed malfunction due to an error Dispute Temporarily Unavailable. On Monday XX/XX/XXXX, I made attempts to file a dispute and the website did not allow the dispute to be filed. I made a screen capture of the error Dispute Temporarily Unavailable. I called TransUnion again on XX/XX/XXXX to file the disputes on number XXXX and TransUnion called me back from XXXX. I filed the credit disputes with the representative. I was given a confirmation number of XXXX. I did not receive any acknowledgement that the disputes are being processed or that the disputes are resolved. The false credit reporting items are still on my TransUnion credit report as of today XX/XX/XXXX. I attempted to attach the screen shot document to this complaint.

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 2022-01-04 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-04 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I am not an Attorney and or a Third party rep. I have a legal right to dispute anything on my credit report. Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CREDIT COLLECTION SVCS # XXXX to release my medical information to a third-party. I am aware that HIPPA does allow for limited information about me but anything more than to CREDIT COLLECTION SVCS # XXXX is to only be revealed with the patients 'authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CHARLES SCHWAB CORPORATION, THE
State: NE

Complaint narrative:
In XXXX of XXXX I opened an account with both myself and my wife listed on the checking account. This was a Charles Schwab account checking and brokerage account. after my paycheck went into the checking account {$3600.00} my wife wanted off the account. I was told when I went to the Charles Schwab office in XXXX NE on XXXX XXXX to transfer the money. I filled out transfer papers while I was there at the office and submitted them. I was also told my wife needed to sign a letter stating she wanted removed from the account and send it to them electronically. I did this also XXXX XXXX, XXXX. I was told this would take 10 business days. The money was never transferred, and I was told at that point to open an account just in my name. I opened the new account and at that point they blocked me from the site. I called XXXX, XXXX XXXX on XXXX XXXX and was told the account was in review and someone would contact me. No one ever contacted me. I called again on XXXX XXXX, to XXXX and XXXX and was told a check would be sent to me as both accounts they had closed. The check would be sent in 10 business days. We never received a check from them. I called again XXXX XXXX to XXXX and XXXX and was told they never sent a check, and the account was under review, and someone would call me back. I called again XXXX XXXX, to XXXX and again was told someone would call me back to discuss the issue and again no one called me back. This morning I call them again XXXX XXXX, XXXX and was told that my wife needed to call them back at XXXX and so on my lunch break I went home, and we called them again at XXXX. We were told that the account is locked and that it is under review and that someone will call me about the issue. I will be very surprised if I ever get a call back from Charles Schwab Bank. And at this point am wondering if I will ever get my money from them. I have also filed a complaint with the XXXX XXXXn hope that they will send me my {$3600.00} as this money is needed and I am behind on bills and my wife has medical issues and we need money for her medication and mine and we have a small child that we need money to take care of. we live paycheck to paycheck, and this is affecting us and how we live. XXXX does not seem to mean anything to them though. I hope this will help me get my money out of the Charels Schwab bank as I am not sure what to do next except keep calling and getting lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX {$10000.00} XX/XX/2018 I have disputed this account on several occasions, I have asked please not to show it in my credit report and it has disappeared but it reappears and I am concerned because I have not authorized it to be displayed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
In XXXX / XXXX of XXXX, my identity was stolen and a bunch of credit cards were issued in my name by various lenders. I was out of the country when this probably happened and saw mails coming in from these lenders to pay the bills that weren't mine in XXXX. I reached out to the creditors, reported what had happened and asked them to close all accounts. 
Some of them were helpful enough to do that and informed me about the other steps I should take as a victim of identity fraud including XXXX XXXX, XXXX XXXX 
Capital One however, refused to close my account when I informed them about what had happened, and asked me to go to a branch and talk to someone without giving me any details around what department to go to, or providing someone specific that might be able to help me. I did not feel comfortable going into a branch in the middle of the pandemic and kept asking for help through their customer care services. My credit score kept plummeting and the credit line on the cards I owned decreased because of that. I was in a bad mental space and did not pursue legal action. I reached out to someone in XXXX and explained them my plight. They asked me to get in writing from Capital One that my account was created without my permission and only acknowledge the fraudulent activity for my credit score to be fixed. I reached out to them and again, without any support I was shunned down and told there was nothing they could do. 
Months later, in XXXX of XXXX - I received a letter from XXXX XXXX XXXX XXXX informing me that Capital One has placed my account with them for debt collection, and offered me to settle for almost half the amount that was originally owed ( {$200.00} for {$460.00} ). 
I am amazed at the insensitivity of Capital One as one of the biggest banks and also surprised at the callousness with which they handle severe crimes like Identity Theft and the lack of support provided to such victims. My credit score was in the mid 700s and since then, it has plummeted to early 600s and is causing me all sorts of problems. Please help me get my credit score where it was before this catastrophe started.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: NC

Complaint narrative:
XXXX XXXX I, XXXX {$10000.00} XX/XX/2018 I have disputed this account on several occasions, I have asked please not to show it in my credit report and it has disappeared but it reappears and I am concerned because I have not authorized it to be displayed

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 2022-01-04 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: NC

Complaint narrative:
XXXX XXXX I, XXXX {$10000.00} XX/XX/2018 I have disputed this account on several occasions, I have asked please not to show it in my credit report and it has disappeared but it reappears and I am concerned because I have not authorized it to be displayed

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 2022-01-04 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: PA

Complaint narrative:
XX/XX/XXXX dispute was open when i sent a letter from the courthouse stating that they do not give information regarding bankruptcies to the credit bureas XX/XX/XXXX dispute was completed and bankrutcy was verified XX/XX/XXXX called to request method of verification and was told the court was the method of verification and when asked for proof of verification, was told that couldnt be done even after I brought up the courts told me they do not give information to credit bureas

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 2022-01-04 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
Professional Finance Company called me and would not verify anything regarding their call. I do not know who these crooks are or what amount they believe I owe. I have received no information via mail nor telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: PA

Complaint narrative:
I checked my credit report and found a Southwest Recovery Service collection account with a balance of {$330.00} dollars, which does not belong to me. The original creditor is XXXX XXXX XXXX XXXX XXXX in the state of Texas. I contacted the XXXX company directly and explain this problem, the representative told me to send a police report to them and a description of the problem. I have never lived or visited the state of Texas. I want to report this as fraud and I want a solution to this problem. Thank you. 

XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX ( XXXX ) XXXX Customer care : XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have reached out to both XXXX and the Collection agency Named LVNV FUNDING LLC regarding this account. I have asked them to validate this debt. This account is unverifiable not listing the original creditor for me to investigate and is also falsely reporting inaccurate information such as XXXX is reporting a date of last activity as XX/XX/XXXX while XXXX is reporting a date of last activity as XX/XX/XXXX. In the payment history, XXXX continues to report this account as a charged off account, while XXXX is reporting " OK '' payment history on this account up to XX/XX/XXXX late 120 days. I don't even recognize this account and its erroneous reporting is damaging my ability to get credit needed. Please investigate and have this account removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: NC

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: American Collections Enterprise, Inc.
State: GA

Complaint narrative:
AMERICAN COLLECTIONS Ive have sent them 3 verification letters and have received no response but they continue to report on my credit. I reached Out to the original company and they are closed and the company that took over has no records prior to XXXX of 2019 to verify anything. They also refuse or just negate to send me over my signed authorization to release my medical information to a 3rd party or a detailed billing statement for the services they are collecting for. This is a HIPPA violation!

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 2022-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/XXXX I sold an XXXX on XXXX, which uses PayPal natively to facilitate the transfer of funds. The phone was confirmed to be delivered to the buyer today ( XX/XX/XXXX ) by UPS, so when attempting to log into my PayPal account to check on the status of the funds, I received a notice that my {$880.00} would be held for 180 days and that my account with PayPal was now permanently limited. I was given no warning, nor reason as to this limitation. When I called PayPal to resolve the issue, I was informed that the limitation was started and completed on XX/XX/XXXX, and that there was nothing I could do to reverse it because it was deemed permanent by PayPal. The only reason for the limitation that I was given is that there was a " risk '' associated with my account, but was not told anything specific.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I was gifted a Bank of America Prepaid Card ( {$100.00} ), but I never agreed to the terms set in their Cardholder Agreement. I would like a check for this full amount, since I will not accept the terms in said agreement. 

In Section 1. GENERAL INFORMATION, it states : " By accepting and using the card, you agree to be bound by this agreement. '' I never activated, signed, or used this specific card ; therefore, I am not bound by any terms in said agreement. 

I contacted Bank of America in XX/XX/XXXX, but they refused to compensate me, claiming the funds on the card hard expired. Instead, they issued me a new card with an available balance of {$0.00}. 

But by the language in their own agreement, I am not bound the terms, including specifically their unreasonably short horizon for card expiration and seizure of funds. Therefore I am seeking recompense for the original {$100.00}.

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 2022-01-04 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: AZ

Complaint narrative:
Just pulled updates of my credit report! I dont see any changes! It makes me worries, because I dont know who is using my personal information. I never applied for it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: MD

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. This was over 60 days ago and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused men. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-04 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: NC

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: NJ

Complaint narrative:
There are some accounts on my credit reports that I do not recognize.

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 2022-01-04 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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