vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-18 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: PA

Complaint narrative:
The following shows several accounts that's been opened under my name and social security number as a result a fraud! XXXX have been reporting these negative remarks on my credit profile and its affecting my life. 

Creditor : XXXX XXXX XXXX XXXX Condition : Derogatory Balance : {$540.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Remarks : Placed for collection Creditor : XXXX XXXX Condition : Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Original Balance : {$1200.00} Current Balance : {$0.00} Creditor : XXXX Condition : Derogatory Original Balance : {$0.00} Current Balance : {$1300.00} Condition : Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Also, follows are a list of unauthorized hard inquires : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 2020-04-18 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:
I applied for an XXXX XXXX credit card today XX/XX/2020 and I was not approved. I called to ask for the reason why I didn't get approved and they told me that it was because there were three accounts that were maxed out on my credit report and some inquiries ; I had no idea what they were talking about since I barely use my credit cards but after looking through my credit report I saw those accounts and none of them belong to me. I did not open those accounts and I have never allowed anyone to open those accounts in my name. I do not have any written/verbal contract with those companies and I have never gained anything from those accounts such as money, goods, services or any other benefit nor have I ever made any payments towards any of those accounts. I filed a police report as soon as I found out about these accounts as well as a complaint with the Consumer Financial Protection Bureau.

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 2020-04-18 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:
I applied for an XXXX XXXX credit card today XX/XX/2020 and I was not approved. I called to ask for the reason why I didn't get approved and they told me that it was because there were three accounts that were maxed out on my credit report and some inquiries ; I had no idea what they were talking about since I barely use my credit cards but after looking through my credit report I saw those accounts and none of them belong to me. I did not open those accounts and I have never allowed anyone to open those accounts in my name. I do not have any written/verbal contract with those companies and I have never gained anything from those accounts such as money, goods, services or any other benefit nor have I ever made any payments towards any of those accounts. I filed a police report as soon as I found out about these accounts as well as a complaint with the Consumer Financial Protection Bureau.

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 2020-04-18 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:
FRAUDULENT TRANSACTION, NO PROOF OF MY INVOLVEMENT, REPEATEDLY DEMANDED THIS BE REMOVED FROM RECORD, STILL CONTINUING TO REPORT IN VIOLATION OF FCRA GUIDELINES. USING MY CREDIT REPORT AS A MECHANISM TO COERCE PAYMENT ON A FRAUDULENT TRANSACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I purchased 2 round trip plane tickets for my aunty and autistic cousin for a family trip we were taking to Florida. Due to the COVID -19 pandemic, the trip was canceled. Although I received a full refund for the portion of the trip ( which was most of it ) that I had paid for in miles, XXXX XXXX refuses to refund the portion paid with my Paypal debit card, even though some of the flights on the tickets were canceled. 

I submitted a dispute through my card issuer, Paypal, but their options for dispute and follow up are very limited, and didn't really cover the reasons for my disputes. On XX/XX/2020 I received email communication stating that the disputes had been denied. I have been trying to reach out to Paypal since then to have them re-reviewed but it has been impossible to get a response from them. Below is information regarding the original transactions, and the claim number Paypal assigned to them : Merchant : XXXX XXXX USD XX/XX/2020 at XXXX XXXX ESTTransaction ID : XXXX Payment Status : COMPLETED Payment Type : In Store Purchase Gross amount - {$170.00} USD Dispute ID : XXXX Merchant : XXXX XXXX USD XX/XX/2020 at XXXX XXXX ESTTransaction ID : XXXX Payment Status : COMPLETED Payment Type : In Store Purchase Gross amount : {$170.00} USD Dispute ID : XXXX Merchant : XXXX XXXX USD XX/XX/2020 at XXXX XXXX ESTTransaction ID : XXXX Payment Status : COMPLETED Payment Type : In Store Purchase Gross amount : {$150.00} USD Dispute ID : XXXX Merchant : XXXX XXXX USD XX/XX/2020 at XXXX XXXX  ESTTransaction ID : XXXX Payment Status : COMPLETED Payment Type : In Store Purchase Gross amount : {$150.00} USD Dispute ID : XXXX I believe that I am entitled to a full refund since XXXX XXXX 1 ) canceled one of the flights on the tickets and ; 2 ) Refunded my other portion of the flight. I have been trying to talk to someone at Paypal but all I get is agents who direct me to reply to unmonitored emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-18 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: NE

Complaint narrative:
CONTINUING TO FURNISH INVALID, INACCURATE AND/OR OUTDATED INFORMATION ON MY CREDIT REPORTS. PROVIDING FALSE AND MISLEADING REPRESENTATION UNDER FDCPA AND FCRA GUIDELINES.

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 2020-04-18 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: NE

Complaint narrative:
CONTINUING TO FURNISH INVALID, INACCURATE AND/OR OUTDATED INFORMATION ON MY CREDIT REPORTS. PROVIDING FALSE AND MISLEADING REPRESENTATION UNDER FDCPA AND FCRA GUIDELINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Barclays Bank Delaware consistently reports to all three credit bureaus that I am late making payments ( photo attached ). 

The account was settled on XX/XX/2018. ( Photo attached ). Yet still, every month, Barclays reports that I am late ... that I missed a {$0.00} payment. This has continued to drag my score down since 2018. 

I called Barclays several times and each time they tell me I owe nothing, and they should not be reporting late payments .... and that they will resolve it. But they never stop and I have gone through this more than 5 times. 

I have also disputed with the credit bureaus directly and after the dispute resolved it says dispute resolved, customer disagrees .... ahem ... excuse me no it is not resolved!! 

I need help with getting Barclays to STOP REPORTING ME AS HAVING LATE PAYMENTS EVERY MONTH SINCE 2018 WHEN I SETTLED MY ACCOUNT I feel like I am bullied and am up against a juggernaut that keeps destroying my credit with no recourse for me

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 2020-04-18 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is THE FOLLOWING ACCOUNTS HAVE NEVER SENT REQUESTED LEGAL DOCUMENTATION THAT I NEED FOR MY PERSONAL REVIEW : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX all of them were required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, they failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) they failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation these third party collectors are held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where they are in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. none has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection 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 2020-04-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received mail from credit collectors and I wanted to check my credit report. I tried each of the three companies XXXX, XXXX & Experian, and none of them will give me the account numbers of the accounts on my report. Next I wanted to download a copy which only XXXX would allow me to do. Finally when I tried to file a dispute My accounts were suspended. I paid for XXXX and they still would not hel me & there is no way to cancel my account online.

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 2020-04-18 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: NY

Complaint narrative:
I received mail from credit collectors and I wanted to check my credit report. I tried each of the three companies Transunion, XXXX & XXXX, and none of them will give me the account numbers of the accounts on my report. Next I wanted to download a copy which only Transunion would allow me to do. Finally when I tried to file a dispute My accounts were suspended. I paid for XXXX and they still would not hel me & there is no way to cancel my account online.

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 2020-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
I attempted to reach out to medicredit who has negatively impacted my credit, they will not speak with me as the name doesnt not match the account they have. Im at an impasse

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 2020-04-18 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: HI

Complaint narrative:
I call Transunion, mail letters to transunion and I call XXXX and sent letters. They are not responding. When I call they are very rude.

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 2020-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XX/XX/XXXX {$9.00} Card Security Fee XXXX XX/XX/XXXX {$6.00} Card Security Fee XXXX XX/XX/XXXX {$7.00} Card Security Fee XXXX XX/XX/XXXX {$6.00} Card Security Fee XXXX XX/XX/XXXX {$6.00} Card Security Fee XXXX XX/XX/XXXX {$6.00} Card Security Fee XXXX XX/XX/XXXX, last day worked, terminated. 
XX/XX/XXXX {$28.00} LATE FEE XX/XX/XXXX {$6.00} Card Security Fee XXXX XX/XX/XXXX {$7.00} Card Security Fee XXXX XX/XX/XXXX {$28.00} LATE FEE XX/XX/XXXX {$8.00} Card Security Fee XXXX XX/XX/XXXX {$39.00} LATE FEE XX/XX/XXXX {$8.00} Card Security Fee XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX {$6.00} Card Security Fee XXXX Total fees charged effective XX/XX/XXXX {$170.00}

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 monetary relief
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: CA

Complaint narrative:
This involves a fraudulent sale ( scam ) enabled by XXXX. It is not a valid debt and a complaint has been filed with the Police and CFPB # XXXX. 

My dispute stems from a sale of merchandise through XXXX  ; two very expensive speakers were sold to a person using XXXX  ; this person paid for them using his credit card and XXXX. He then arranged for XXXX to ship them from my location in XXXX. 
They were allowed to ship shortly after the payment cleared XXXX ; the full sales price of {$1600.00} was paid on XX/XX/XXXX. The funds were held by XXXX until XX/XX/XXXX, at which time the funds were released to me. I then released the merchandise to the Buyer who then transported the speakers to XXXX XXXX and subsequently out of the country. 
Approximately two months later, Buyer filed a claim with XXXX claiming speakers were damaged in shipping ; the claim was denied ; the Buyer then filed a claim with XXXX, which was denied ( Buyer refused to return speakers ). Subsequently Buyer contacted his bank/credit card company and was ultimately successful by making a false claim as to their condition. XXXX notified me of this claim on or about XX/XX/XXXX and requested documentation that could be used to refute the claim. Documentation was sent immediately. On XX/XX/XXXX, XXXX informed me that the Buyers bank/ credit card company had sided with Buyer and my XXXX account was now " negative '' and to immediately add funds to cover the negative balance. I had heard nothing, nor been notified of any ongoing discussion. On XX/XX/XXXX, I spoke to the XXXX Resolution department ; they agreed the merchandise needed to be returned. On XX/XX/XXXX, the XXXX collection department called demanding payment and to deny me any further assistance from them. On XX/XX/XXXX, I called XXXX collection and was transferred to the Dispute Department after thirty minutes on hold the call was terminated ; no one answered in the Dispute Department. 
The merchandise remains in Buyers possession as of this date, XX/XX/XXXX. Buyer is non-responsive and refuses to return merchandise. XXXX refuses to either pursue a remedy with, or release the name of the institution used by Buyer. XXXX, acting in bad-faith, has apparently washed its hands of this matter. 
Lastly, I believe this transaction is a scam. The XXXX purchase was without negotiation, in fact, Buyer was offered a {$100.00} discount because of a supposed " double sales tax, '' issue, which Buyer ignored, completing the sale at full price. I have attached photos of the speakers both with and without grills for your information. 
Additionally, I have filed a Police Report regarding this fraudulent sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am in the process of my modification. I submitted all documents. Without warning they put a sale notice on my door.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Autovest, L.L.C.
State: MO

Complaint narrative:
I surrendered an automobile financed by first infesters they auctioned off car and said I still owe XXXX they then garnished my wages for wrong amount that was paid off and I didn't hear anything from them until six years later when Autovest says they bought a XXXX debt I didn't know I had and place this one my credit as a new delinquent account that I made a recent payment for XXXX on I've never talked to anyone from this company and never opened an account or paid them anything but the damage to my credit from this so called new account as cost me my first home it's showing now as three different XXXX debts with different open dates also XXXX XXXX shows open account that's delinquent also missed payments all show the impact to credit score doesn't fade first financial also shows open delinquent account under 12 first financial name this is also a fake name / company just to keep the six year old debt fresh best part is after the garnishment not one of these companies have reached out to me not once in six years of higher interest rates and denied applications inflated auto insurance all because three companies show different information a spread it out so damage continues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ

Complaint narrative:
There was a fraudulent charge on my credit card, which I tried to dispute with the credit card company unsuccessfully. They were lied to and were not provided with all the evidence by the merchant, and my dispute was not resolved. So, I asked the credit card company to close the account. What I was expecting was to receive a new credit card, as had been done in previous years when the account was closed due to theft. Instead, the company closed my entire account and canceled my entire history with the credit bureau, over 9 years. This was not what I wanted and it has negatively impacted my credit score.

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 2020-04-19 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: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Credit card Date Opened XX/XX/XXXX {$8000.00}. 
XXXX XXXX XXXX {$6000.00} Date opened XX/XX/XXXX XXXX XXXX  Date opened XX/XX/XXXX {$810.00} XXXX XXXX {$2700.00} Opened XXXX, XXXX XXXX

Company response to consumer: Closed with explanation