vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-25 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: NY

Complaint narrative:
Regarding complain no XXXX Paypal told me to release the funds on XX/XX/2021, but they haven't yet released my funds and are not giving me any update on my funds. 
I am stuck and need help from the consumer financial protection bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: U.S. BANCORP
State: NV

Complaint narrative:
I never authorized this company to run my credit.

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 2021-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I keep receiving calls late at night or early on the morning almost XXXX times a week and they keep harassing me for an amount of {$850.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Berlin-Wheeler, Inc. (Kansas)
State: VA

Complaint narrative:
I recently moved from XXXX, VA to XXXX, VA. I cancelled my XXXX cable service on the date before I moved in late XXXX of 2021 because they do not offer services in XXXX. I delivered their equipment to them in person in XXXX. 

While I was waiting for a final bill from XXXX, I continued to make monthly payments with every intention of paying off the balance. 

XXXX apparently referred my bill to Berlin-Wheeler who very quickly reported my account as delinquent to XXXX. I learned of that today. 

I have disputed this delinquency with XXXX  and expect they will correct it as not being delinquent since I have been making monthly payments toward the total. 

I have also made a payment through my bank 's " bill pay '' feature for the remainder. 

I want to report both XXXX and Berlin-Wheeler for their actions. While I am fairly knowledgable about my protections under the law, I fear that many consumers will be hurt by these tactics. Neither XXXX or Berlin-Wheeler made any effort that I'm aware of to reach me. 

I do not have any record of Berlin-Wheeler attempting to work with me on this and, based on my initial research, they appear to be a predatory debt collection company. 

I want to give some credit to the XXXX XXXX app I use on my XXXX for alerting me to this inaccurate information on my credit report. 

Thank you for your help with 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 2021-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
TransUnion continues to report that I still owe on a closed paid off secured loan. The report is contra status. They claim to have investigated the dispute and validated their reporting. This company continues to hurt my credit ratings. Are they a legitimate credit reporting company? 

I am so tired of dealing with TransUnion with their multiple outdated data reporting, not willing to investigate, verify and fix errors. Most of their disputes take an average of 7 days to investigate and never fixes the problem. They claim the XXXX XXXX  credit and secured loan are adverse accounts, but when I reached out to original bank, they say they they sent accurate report that both my accounts are closed and paid off, to the contrary in reporting on TransUnion. This is so unfair.

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 2021-08-25 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: WI

Complaint narrative:
I noticed multiple inquiries and an account from XXXX XXXX that do not belong to me. I called each bureau and they all told me to submit a dispute so I did just that. Its been over 40 days and NO RESPONSE YET, please 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 2021-08-25 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: WI

Complaint narrative:
I noticed multiple inquiries and an account from XXXX XXXX that do not belong to me. I called each bureau and they all told me to submit a dispute so I did just that. Its been over 40 days and NO RESPONSE YET, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: DE

Complaint narrative:
All credit bureaus are reporting that bankruptcy that are not verified and the data furnisher has already admitted to errors in reporting but credit bureaus can not supply me with court certified and verified copies of bankruptcies after their so called investigations.

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 2021-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NE

Complaint narrative:
XX/XX/2021 refinanced mortgage and LoanCare/Service Link was paid off. I and new mortgage company have tried to get them to release the mortgage, but to no avail. They do not respond. Its been 6 months which is clearly a violation of the fact act. We are getting fed up with non action to take care of this. Hope you can 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 2021-08-25 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: OH

Complaint narrative:
Equifax failed to do a independent investigation regarding the account in question. 
Failed to investigate within the time allotted by law violating FCRA. 
Failed to mark the item as disputed to give notice the future creditors of this ongoing dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
I never gave this company permission to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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:
XXXX  is reporting three erroneous accounts in my credit file. I asked for a full investigation for all three collections. I gave XXXX  30 days to complete their investigation. I never received anything pertaining to their full investigation. The company simply updated the alleged debt collection items without sending proof that I owe these alleged accounts.

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 2021-08-25 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: FL

Complaint narrative:
XXXX  is reporting three erroneous accounts in my credit file. I asked for a full investigation for all three collections. I gave XXXX  30 days to complete their investigation. I never received anything pertaining to their full investigation. The company simply updated the alleged debt collection items without sending proof that I owe these alleged accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of america and the regulator agent XXXX  in concert with customer service are trying to scam me out of our agreed upon XXXX claim that I filed with the customer protection department arou a couple of weeks ago. The lady and the customer service department finally taken my claim and they played around a few days but I kept calling and telling them the regulator agent authorized it and said she was authorized to tell me that. She also told me that I could file it under Id theft because a year ago they put your money in the wrong account. When the lady ask me how much and that her boss told her to ask me the amount I said XXXX and she ask exactly XXXX and I said yes. They told me to call every three days and an guy told me last Thursday that your claim got approved and I kept asking him about the XXXX that I need it now. He just kept saying soon now I call today the third day and around XXXX and the lady said it is for XXXX the first anyone brought up any amount to me period and is fraud. 

I noticed XXXX  stop talking or returning my calls after her response which included lies. Absolutely, no transaction has went into my account since 2015 and she lied about last year. I absolutely never told her that I had no more concerns. When she told me that I could file a claim customer service played games for days trying to deter me from my claim. 

She and I agreed on identity theft fraud that I could claim on.

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 2021-08-25 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: IL

Complaint narrative:
You can clearly see they took 68 points off my score and there is no reasoning behind it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: CA

Complaint narrative:
This is my response to a customer satisfaction survey that Experian Credit Bureau sent me : On XX/XX/21, I was trying to upload documents and it didn't work. The customer rep told me to clear my cache and try again. That still did not help and it caused me to lose all my saved history. I then try another browser and still got an error message. For some reason you people at Experian really don't want to help me address the fraud that was committed on my account. 

On top of that I was given three different addresses to mail my documents to. My documents contain personal identity information about me and I'm not even sure where to mail them???? And I shouldn't have to mail them when I should be able to upload them. 

I have been trying for almost a year to get the fraudulent accounts removed from my credit file. But no one at Experian seems to want to help me. This is just as bad as the identity fraud. 

It would be helpful if someone with extreme knowledge and ability could contact me so I can upload my documents and get this matter resolved once and for all. It's frustrating and time-consuming and a very inconvenient. 

Thank you in advance, 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 non-monetary relief
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 at XXXX PST I rcvd a robocall from ph XXXX introducing themselves as CMRI Fin Services and calling me XXXX XXXX and claiming they r collecting Agency acting on behalf of XXXX XXXX XXXX for account XXXX and referring to ph XXXX for me to call back. 
i am not that person they try to connect with and i never interacted with XXXX XXXX XXXX as a patient. Please, stop this harassments and unsolicited phone calls. i am sure these are scammers. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: PA

Complaint narrative:
XXXX XXXX continues to violate my right to privacy by continuing to harass me by submit negative, harmful and detrimental information to the three credit reporting agency. This is continuing to be done because I asked them to validate a debt and they have not.They refuse to validate a debt and instead continue to attack my character thru unlawful reporting. Pursuant to Federal Law 15 USC 1692g their continuing to report harmful, character deeming information is against my rights as a Consumer. Furthermore, pursuant to 15 USC 1681 under the FDCPA I have a right to privacy. I did not give them permission to report anything to anyone. 
In addition, XXXX, Transunion, and XXXX continue to allow them to report and I did not give them permission either. I am the Consumer, I have a right to privacy. They can do as they wish to a citizen but NOT to a natural person, consumer, citizen of heaven.

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 2021-08-25 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: PA

Complaint narrative:
XXXX XXXX continues to violate my right to privacy by continuing to harass me by submit negative, harmful and detrimental information to the three credit reporting agency. This is continuing to be done because I asked them to validate a debt and they have not.They refuse to validate a debt and instead continue to attack my character thru unlawful reporting. Pursuant to Federal Law 15 USC 1692g their continuing to report harmful, character deeming information is against my rights as a Consumer. Furthermore, pursuant to 15 USC 1681 under the FDCPA I have a right to privacy. I did not give them permission to report anything to anyone. 
In addition, XXXX, XXXX, and Exquifax continue to allow them to report and I did not give them permission either. I am the Consumer, I have a right to privacy. They can do as they wish to a citizen but NOT to a natural person, consumer, citizen of heaven.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX  XXXX. XXXX Date Opened : XX/XX/XXXX {$5.00} XXXX  XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$490.00} XXXX XXXX Date Opened : XX/XX/XXXX {$1300.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX {$160.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$410.00} XXXX  XXXX Date Opened : XX/XX/XXXX {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX  continues to report that I still owe on a closed paid off secured loan. The report is contra status. They claim to have investigated the dispute and validated their reporting. This company continues to hurt my credit ratings. Are they a legitimate credit reporting company? 

I am so tired of dealing with XXXX  with their multiple outdated data reporting, not willing to investigate, verify and fix errors. Most of their disputes take an average of 7 days to investigate and never fixes the problem. They claim the XXXX XXXX  credit and secured loan are adverse accounts, but when I reached out to original bank, they say they they sent accurate report that both my accounts are closed and paid off, to the contrary in reporting on XXXX. This is so unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: LEXISNEXIS
State: DE

Complaint narrative:
XXXX  continues to report that I still owe on a closed paid off secured loan. The report is contra status. They claim to have investigated the dispute and validated their reporting. This company continues to hurt my credit ratings. Are they a legitimate credit reporting company? 

I am so tired of dealing with XXXX with their multiple outdated data reporting, not willing to investigate, verify and fix errors. Most of their disputes take an average of 7 days to investigate and never fixes the problem. They claim the XXXX XXXX credit and secured loan are adverse accounts, but when I reached out to original bank, they say they they sent accurate report that both my accounts are closed and paid off, to the contrary in reporting on XXXX. This is so unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
I requested a credit report from TransUnion today. They sent me the report online and I copied it for my files. Nowhere could I find my credit score. The question on the next page of TransUnion said, " Would you like to know your score? '' and of course I said yes. Then is when the problem arose. I had to fill out an app to join their membership at $ XXXX. That sure isn't in tune with a free score I was told I'd receive. 

How do I get my score from TransUnion without paying?

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 2021-08-25 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: LA

Complaint narrative:
Last XXXX I've sent a letter but it's almost 30 days now but I haven't received any response. The following accounts were fraudulently used without my permission. I am a victim of Identity Theft. I suffer from stress because of this issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I keep receiving calls late at night or early on the morning almost XXXX times a week and they keep harassing me for an amount of {$830.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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:
The notes are, the bureaus arent following their own rules and guidelines, the 609 debt validation was sent as well as a demand to comply with no response.

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