vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-28 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: TX

Complaint narrative:
The following are FCRA violations. 

XXXX  XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$800.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Collection account. 
Account Type Collection Balance {$500.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$480.00} Date Opened XX/XX/XXXX Dispute Revolving Accounts show tooltip button XXXX XXXX  XXXX XXXX Status Paid, Closed/Never late. 
Account Type Credit card Balance - Date Opened XX/XX/XXXX Dispute Installment Loans show tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Account charged off. {$3300.00} written off. {$2700.00} past due as of XX/XX/XXXX. 
Account Type Secured Loan Balance {$2700.00} Date Opened XX/XX/XXXX Dispute U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative Status Collection account. {$7500.00} past due as of XX/XX/XXXX. 
Account Type Education Balance {$7500.00} Date Opened XX/XX/XXXX Dispute U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative Status Collection account. {$4200.00} past due as of XX/XX/XXXX. 
Account Type Education Balance {$4200.00} Date Opened XX/XX/XXXX Dispute Wrong names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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:
On XX/XX/2017, Transunion added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Transunion has violated my right as a consumer and I am requesting legal action to remove 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 2021-03-28 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: CA

Complaint narrative:
I closed this account in XX/XX/XXXX after multiple refusals to allow me to change my payment method. There only was I was allowed to make payments on my loan was via my closed XXXX  XXXX XXXX account. 

As of XX/XX/XXXX, they have continued to change information making it worse for my credit every time. 

I feel I should not have negative credit impact for an account I attempted to pay and was not allowed to. I've disputed this with all 3 credit agencies and they just take the company 's word over mine. 

I am listed as having derogatory payments and having my amount closed via settlement. XXXX  while these things are technically true, it was via fraud on the company 's part.

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 2021-03-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I closed this account in XX/XX/XXXX after multiple refusals to allow me to change my payment method. There only was I was allowed to make payments on my loan was via my closed XXXX  XXXX XXXX account. 

As of XX/XX/XXXX, they have continued to change information making it worse for my credit every time. 

I feel I should not have negative credit impact for an account I attempted to pay and was not allowed to. I've disputed this with all 3 credit agencies and they just take the company 's word over mine. 

I am listed as having derogatory payments and having my amount closed via settlement. XXXX  while these things are technically true, it was via fraud on the company 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I closed this account in XX/XX/XXXX after multiple refusals to allow me to change my payment method. There only was I was allowed to make payments on my loan was via my closed XXXX  XXXX XXXX account. 

As of XX/XX/XXXX, they have continued to change information making it worse for my credit every time. 

I feel I should not have negative credit impact for an account I attempted to pay and was not allowed to. I've disputed this with all 3 credit agencies and they just take the company 's word over mine. 

I am listed as having derogatory payments and having my amount closed via settlement. XXXX  while these things are technically true, it was via fraud on the company 's part.

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 2021-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has charged my account XXXX dollars for an items that I told the bank were incorrect. 

I offered to send pictures of the defected/incorrect products but the bank never wanted to see the pictures. 

I wanted to show what the company advertised is not want I received -the bank did not allow me to do so. 

In fact, I was advised I would hear back from the bank in reference to my claim and I never heard one word. 

I checked my account today and the claim has been closed without any follow up with myself.

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 2021-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
Franklin Collection Services XXXX XXXX XXXX XXXX. 
XXXX, MS XXXX Date :XX/XX/2020 Amount : {$1200.00} I disputed and it still in my credit report this debt is not mine and I demand be taken off my credit report if its not taken off I will file a complain to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We have a Citi thank you XXXX Master Card. We do not receive paper statements and use the Citi Mobile app to access account information. Up until recently, the app worked fine. We were able to view account activity and always paid in full, on time. 

In XX/XX/2021, I needed to call Citi to request a fee waiver. We incurred a late fee because the app was giving a consistent error message, stating Having trouble signing in. Please try again. We were not able to access our account and did not know it was overdue. Citi approved the waiver in the amount of {$13.00}, and we paid the remainder of the balance due. 

The same issue occurred in XXXX and we were assessed a late fee and interest totaling {$29.00}. I immediately called Citi, paid the full balance of our purchase and asked for the late fee to be waived because of the same difficulty with the app. I was told that they would not waive the late fee because it was already waived once for us this year. 

We are requesting that Citi waive the {$29.00}. Once our account has a zero balance, we want it closed. 

We feel that Citi has barriers to access our personal account information. Please note that the wording of the error message on the app stated Having trouble signing in. Please try again. It did not state that my username or password was incorrect. After receiving the error message multiple times we attempted to resolve it using the Having Trouble Signing On tool in the app. We provided all the necessary information only to get a message stating Unable to Verify. We should not be required to expend a significant amount of time to obtain our account information, only to be assessed an exorbitantly high fee if we are unable to.

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 2021-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
good afternoon I contact you because I received a letter from a company called radius saying that I have a balance with them that account is not mine and I would like you to review the account to investigate what is happening someone has asked for credits in my name without my consent.

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 2021-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one has been reporting 2 accounts incorrectly since the pandemic occurred I have done everything I could on my part and its still showing incorrectly. Continues to damage my report. 
I have disputed since last XXXX almost every 3 months with the bureaus and still nothing Capital One is horrible and so are the reporting agencies for not investing properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: White Jacobs & Associates
State: TX

Complaint narrative:
I joined this company under the guise they would be able to fix my credit. XXXX XXXX enrolled me. I noticed shortly after joining their credit repair services, my credit began to drop drastically. I did not have a portal to check on my progress, I did not get updated from my representative, and I wasn't getting any creditor response letters regarding any disputes. 

My credit began to drop so much that I ended up paying my outstanding collection balances. Only then did my score show improvement. I called around regarding cancelling the program and not paying any additional fees on the payment plan. 

I could not get in touch with XXXX XXXX or anyone else. I finally reached a lady, XXXX, the Director of Client Services, who stated that XXXX XXXX quit and was no longer with the company. I was emailing a ghost. I got transferred to new representative who said it was past the 7 day rescission period and I would be responsible for the remainder payments regardless if I quit. I told him to cancel the program they were ruining my credit and opening fruitless disputes. 

Long story short. I have paid this company countless money for nothing but credit ruin. I had to address my credit myself by paying it off to begin seeing results. I don't owe them another dime as I have lost enough money and credit with them. I want any remainder payments waived as the services rendered to me were absolutely horrible and unproffesional.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: U.S. BANCORP
State: TX

Complaint narrative:
I contacted US Bank today regarding the payment I made on my credit card with them. The balance is paid in full and I owe nothing on the credit card but the payment did not reflect on my credit report. The representative I spoke with told me that it will be reported when the credit card cycles in XXXX. I mentioned to the representative I spoke with that the last activity reported was XX/XX/2021, the month of XXXX activity has not been reported. The representative proceeded to tell me to dispute it with the credit bureau. US Bank has been inconsistent in reporting my account activity to my credit report. A lender pulled my credit report and informed me that US Bank has reported my mortgage payment as not current when all my payments were current. The lender who pulled my credit report is now asking for a letter from US Bank stating that I was not late for more than 30 days for the past 12 months on my mortgage payments and US Bank is dragging its feet to provide that letter to the lender. I want US Bank to fix this ASAP. Thank you for looking into this.

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 2021-03-28 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: AR

Complaint narrative:
Credit File : XX/XX/2021 Confirmation # XXXX THIS IS A WARNING AND MY LAST TIME DISPUTING BEFORE I FILE A LAWSUIT WITH THE ATTACHED EVICENCE IN THIS COMPLAINT WITH MY ATTORNEY. 

Dear Equifax, you recently responded to my dispute letter concerning bankruptcy case number XXXX, in your response you indicated that you verified that it was accurate through a third-party vendor XXXX. Equifax, please explain to me how you can say that you verified that the bankruptcy is accurate through XXXX when I sent you a copy of the letter XXXX sent me showing that they removed the bankruptcy from my XXXX report, because they could not verify the accuracy of it? 

In this CFPB Compliant, I HAVE ALL THE DOCUMENTS THAT XXXX SENT ME UPLOADED IN THIS COMPLIANT FOR YOU TO SEE AND VERIFY ONCE AGAIN. PLEASE SEE THE LETTER THAT XXXX SENT ME THAT SAYS THEY REMOVED THE BANKRUPTCY FROM MY REPORT, PLEASE SEE THE LETTER XXXX SENT ME STATING THAT THEY ALSO SENT YOU ALL ( EQUIFAX ) A DISPUTE LETTER ON MY BEHALF REGARDING THE BANKRUPTCY THAT IS ON MY CREDIT REPORT, BUT YOU ALL ( EQUIFAX ) NEVER RESPONDED TO THEM! ALSO, PLEASE SEE THE LETTER FROM THE COURTS STATING THAT THEY DONT GIVE OUT INFORMATION TO CREDIT BUREAUS OR THIRD PARTIES! 

THERE IS NO WAY POSSIBLE YOU ALL ( EQUIFAX ) COULD HAVE VERIFIED THROUGH XXXX OR THROUGH THE COURTS, SO EITHER THE LETTER YOU SENT ME WAS AN ERROR, OR YOU ARE JUST TELLING A LIE, BUT EITHER WAY YOU ALL ( EQUIFAX ) ARE IN CLEAR VIOLATION OF THE FCRA FOR NOT CONDUCTING A TRUE INVESTIGATION AND TELLING A LIE, UNLESS IT WAS AN ERROR, EITHER WAY YOU MUST DELETE BANKRUPTCY CASE NUMBER XXXX FROM MY CREDIT REPORT IN COMPLIANCE WITH THE FCRA. 15 U.S.C. section 1681 ( e ) : Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The evidence I have attached to this complaint shows that Equifax did not follow reasonable procedure to assure maximum possible accuracy. 

Also, be advised that this is not a credit repair service or a third party, this is me XXXX XXXX, a copy of my driver 's license and social security card is attached to this complaint, please see all attachments!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I do not have an account with this agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Paypal closed my account for no reason and they will not help me with getting me if back up and going I am not sure if this is some mistake as I assume it has to be. I have not able to get help from them for at least a month after I was told they will hold my money for at least 180 days. But I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used Paypal quite frequently. My email linked to my Paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: Seattle Service Bureau, Inc
State: NE

Complaint narrative:
The credit bureau is reporting a collection account with National Service Bureau in the amount of {$1600.00}. This is not my account and it is identity theft. I did not receive any services from this company. This is not my account and needs to be removed from my credit report immediately. I have disputed this fraud account several times with the credit bureaus and the creditor. This is a violation of the Fair Credit Reporting Act. This is also a violation of the HIPPA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank violated 15 USC 1692c and communicated with me at a time which was unusual and inconvenient for me. Also violation of 15 USC 1692d harassment or abuse threatening to harm my reputation by reporting late payments, missed payments, or other defaults in my account. Use of profane language telling me Total Minimum Payment Due, Payment Due Date, Due Balance. Also violation of 15 USC 1692f ( 1 ) and ( 8 ) using language or symbol which clearly indicates they are in the debt collection business.

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 2021-03-28 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: NE

Complaint narrative:
The credit bureau is reporting a collection account with XXXX XXXX XXXX in the amount of {$1600.00}. This is not my account and it is identity theft. I did not receive any services from this company. This is not my account and needs to be removed from my credit report immediately. I have disputed this fraud account several times with the credit bureaus and the creditor. This is a violation of the Fair Credit Reporting Act. This is also a violation of the HIPPA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: Absolute Home Mortgage Corporation
State: PA

Complaint narrative:
recently reviewed my credit report and noticed I have a inquiry from this company I did not authorize them to do so I have reached put numerous times to resolve. Unauthorized use of my information to obtain credit etc process done as well as police report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: U.S. BANCORP
State: OR

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, us bank and XXXX XXXX XXXX  as of XXXX XXXX reports charge offs and don't have my mailing address correct as of 5 months ago.I want these charge offs disputed. Thanks for your help

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 2021-03-28 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
recently reviewed my credit report and noticed I have a inquiry from this company I did not authorize them to do so I have reached put numerous times to resolve. Unauthorized use of my information to obtain credit etc process done as well as police 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