vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-06 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, Transunion ), Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, XXXX, Transunion ), Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX   XXXX XXXX, Account # XXXX ( XXXX, XXXX, Transunion ), XXXX   XXXX, Account # XXXX ( XXXX, XXXX  ), XXXX XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX, Transunion ), XXXX XXXX  IL, Account # XXXX { Transunion ), XXXX XXXX, Account # XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX, Account # XXXX ( XXXX, XXXX, Transunion ).

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 2018-08-06 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, XXXX ), Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, Equifax, XXXX ), Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, Equifax, XXXX ), XXXX XXXX   XXXX XXXX, Account # XXXX ( XXXX, Equifax, XXXX ), XXXX   XXXX, Account # XXXX ( XXXX, Equifax ), XXXX XXXX XXXX, Account # XXXX ( Equifax ), XXXX XXXX, Account # XXXX ( Equifax ), XXXX XXXX XXXX XXXX, Account # XXXX ( Equifax ), XXXX XXXX XXXX XXXX, Account # XXXX ( Equifax, XXXX ),  XXXX XXXX IL, Account # XXXX { XXXX ), XXXX XXXX, Account # XXXX ( Equifax, XXXX, XXXX ), XXXX XXXX, Account # XXXX ( Equifax, XXXX, XXXX  ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06 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:
I am a victim of identity theft. Attached is a copy of my credit reports from XXXX XXXX and XXXX   as proof that the following fraudulent and unauthorized accounts arent my accounts listed on my Equifax credit report : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. The accounts are fraudulent and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: CO

Complaint narrative:
My account balance with XXXX XXXX XXXX is {$0.00} and has been for nearly a year now. TransUnion continues to misreport my account even after sending confirmation and proof showing balance is {$0.00}. Multiple complaints filed with TransUnion and they refuse to correct the reporting.

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 2018-08-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After submitting my dispute in via Mail I have not received a timely response. I am a victim of Identity theft and according to US LAW I am afforded protection and a timely response from those who report accounts of credit worthiness towards 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 2018-08-06 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: AZ

Complaint narrative:
The following telephone numbers reported on my Trans Union credit report arent not my telephone numbers and dont belong to me : ( XXXX ) XXXX-XXXX, ( XXXX ) XXXX-XXXX, ( XXXX ) XXXX-XXXX. The following employment data reported arent mine and dont belong to me : XXXX, XX/XX/XXXX  XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Being garnised. Called and informed them that I was XXXX of household. Was told that didn't matter. Also called when I had tje funds to rectify the debt and was told that I couldn't do that. Also called to asked how much is still due. Was told that they do not have to give me that information because Loan was defaulted. Also XXXX XXXX was also used to pay tuition. Also had to pay an additional XXXX dollars extra and still don't know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After submitting my dispute in via Mail I have not received a timely response. I am a victim of Identity theft and according to US LAW I am afforded protection and a timely response from those who report accounts of credit worthiness towards me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After submitting my dispute in via Mail I have not received a timely response. I am a victim of Identity theft and according to US LAW I am afforded protection and a timely response from those who report accounts of credit worthiness towards 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 non-monetary relief
Consumer complaint received 2018-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I would like to file a formal complaint against XXXX XXXX dba Care Credit. XXXX XXXX of XXXX XXXX dba Care Credit claims in her letter to you dated XX/XX/2018 that I was attempting to modify their dictated terms of agreement. This is another falsehood on the part of XXXX XXXX ; they have yet to acknowledge their failure to respond to my original complaint for 8 months and only responded after I filed a formal complaint with the CFPB. Additionally, in the second paragraph of her XX/XX/2018 reply, she states that the interest charge would be removed if I pay {$1600.00} by XX/XX/2018. In fact, XXXX XXXX dba CareCredit applied my {$200.00} payment on XX/XX/2018 and applied by {$1600.00} payment on XX/XX/2018. However, XXXX XXXX dba Care Credit then turned around and charged a late fee of XX/XX/2018 of {$38.00} and an interest charge of {$82.00}. This is yet another example of XXXX XXXX ongoing abuse of customers and fraudulent treatment of customers. These charges can only be due to the fact that XXXX XXXX misapplied my XXXX payment and then failed to remove the charges they agreed to remove in XXXX XXXX XXXX XXXX reply of XX/XX/2018! 

Clearly, the prior agreement XXXX XXXX  reached with the CFPB has not stopped their customer abuse of assessing false charges to consumers! Additionally, XXXX XXXX has yet to provide a phone number at their corporate headquarters that will be answered by a live person. The only headquarters number listed on their website is a phone number that goes to a recording that promises someone will call back within 48 hours. No one from XXXX XXXX   has yet to call me back from the first two messages I have left on this number ; someone only returned a call and left a voice mail this time because I told XXXX XXXX that I had left a message and no one had yet to return the first two messages.

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 2018-08-06 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: CA

Complaint narrative:
I have been trying to repair my credit for the last year and I am trying to buy a home, however the three credit bureau 's have been reporting different credit scores, I have been repairing because I want this cleared up and also want to buy my home. Seem like they take 30 to 40 points off my score and drops it way back down, however all my payments and credit cards are all paid up and I only get a 3 to 4 points increase that's just not right and want this fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM FILING THIS COMPLAINT BECAUSE EXPERIAN, XXXX, AND XXXX HAS IGNORED MY REQUEST BACK IN XXXX OF 2018 IS WHEN I FIRST NOTICED THE UNFAMILIAR ACCOUNTS LISTED ON MY CREDIT REPORTS SO I MAILED OFF MY LETTER TO THE BUREAUS ASKING FOR THEM TO CORRECT THEIR ERRORS MY FIRST LETTER WENT OUT IN XXXX, SECOND WENT OUT IN XXXX 2018, THIRD WENT OUT IN XXXX AND MORE LETTERS WENT OUT SINCE THEN REQUESTING THAT THEY HONOR THE FEDERAL LAW-FCRA 611 ( 5 ) ( A ) AND PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. THIS INCLUDES THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX I DID SOME RESEARCH AND AS I UNDERSTAND, FEDERAL REPORTING LAWS, PARTICULARLY XXXX XXXX DATA FORMATTED REPORTING REGULATIONS ENACTED AS A RESULT OF THE XXXX, REQUIRES THAT ANY AND ALL INFORMATION OR NOTATIONS ALLEGED BE CERTIFICATED COMPLIANT AS WELL AS FULLY TRUE, CORRECT, COMPLETE, TIMELY, PROVEN MINE AND PROVEN OF MY RESPONSIBILITY. IT IS WITH CLARITY THAT THE SAME LAWS DICTATE THAT NO ENTITY INCLUDING A CONSUMER CREDIT REPORTING AGENCY SUCH AS YOURSELF CAN EXCUSE ITSELF FROM THE RESPONSIBILITIES OR LIABILITIES SHOULD THAT ENTITY BECOME DEFICIENT IN THAT COMPLIANCE OR PHYSICAL PROOF OF XXXX AM ENACTING MY CONSUMER RIGHTS TO HAVE ONLY CURRENT TRUE ACCURATE AND PHYSICALLY PROVEN XXXX XXXX COMPLIANT INFORMATION REPORTING. I DO NOT AUTHORIZE YOU TO RETAIN ANY OTHER ACCUSATIONS OF ADVERSE DEROGATORY NATURE, RETAIN OR RETURN TO REQUISITE XXXX XXXX COMPLIANCE BY YOUR WILLFUL ANNULMENT OF ANY AND ALL OF THE ABOVE LISTED. THANK YOU IN ADVANCE

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 2018-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX   and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.

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 2018-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc
State: CA

Complaint narrative:
I submitted a document pertaining to a XXXX XXXX stating that XXXX XXXX would record a DEED that stated my name would be removed at the request of the loan company. XXXX XXXX stated that they could not locate that document. That document was presented to me in order to release my name from the Deed. The XXXX XXXX XXXX XXXX XXXX has instructed me to contact the escrow company that handled the sale of my property. I explained that I never sold my property or ever received a dime from the escrow company. This is what I was told, in XXXX of 2001 when I added XXXX XXXX as a Joint Tenant I was paid {$75000.00} and on the day that I removed my name from the DEED XX/XX/2001 I was paid {$170000.00}. I explained to the clerk that I only removed my name at the request of the loan company so my property could be refinanced. The amount of the loan was {$170000.00}. The clerk explained that XXXX XXXX would be able to explain the process. I took the DEED to XXXX XXXX and they assured me that the {$170000.00} was for a refinance, not a purchase. The refinance was used for the down payment of a property we were buying and XXXX XXXX released a check in the name of XXXX XXXX. XXXX XXXX has passed away with out a will. This information from the XXXX XXXX XXXX was unknown to me. What happened to the signed XXXX XXXX. What does XXXX XXXX know about the amount of money that the XXXX XXXX claims I was paid. I know I never sold my property or ever received any money from escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: PA

Complaint narrative:
Ive had past PayPal accounts which were hacked into due to fraud/scam. The most recent situation had me file a dispute with my bank, which was attached to my PayPal acct. Due to this fraud, that PayPal acct was left in negative standing. 
My daughter, boyfriend and I started a pet sitting service and opened a business PayPal acct. 
Within a short time, PayPal limited that account requesting my daughters proof of identity, ss number and where her products are from and shipped. 
She immediately sent in her photo ID, ss card, and explained for pet sitting services, there is no product or shipping taken place. 
The account, which had money in it was still limited so she called them and they were very unhelpful, saying due to an online purchase she was making, a security trigger happened and there was nothing to be done. 
Shortly thereafter they closed her acct, trying to freeze the funds that were in it. 


I opened an acct with PayPal under my maiden name, XXXX XXXX. Unfortunately there isnt too many online sites like PayPal and *when* it works, it works well. 
I am now facing the same situation as my daughter. It started to become tougher to make online purchases for LEGAL things, couldnt send money to a friend, tried transferring my ( read that MY ) money to my bank acct and today I see my acct is now limited, requesting my photo ID, bank statement, products, shipping and to resolve the acct that due to fraud was left negative. 
I have no issue with providing any of this ... but just my daughter, I already know the end result will be them closing the acct, holding the money thats in there for 6 months while PayPal investigates the matter, which is really just them holding my money. Otherwise I should be entitled to a 6 month investigation report. 

Can they do this? Everything Im reading online says yes, which is ridiculous. Any money I earn I report to the IRS with a XXXX XXXX and in these cases, this was money from friends. 

In a normal brick & mortar building if a bank freezes assets, until they can verify identity ( which ... why would an online purchase to XXXX XXXX trigger them to need my bank statements ), once identify is shown, I should have access to my money. 

As for the negative acct, I can not be held responsible for the fraudulence that happened to it. Where exactly is that acct? Still with PayPal? Charged off ( I.e. written off to help offset taxes ), with another agency for collections? 

The federal government should not let PayPal get away with the things they do ( just XXXX   consumers complaints about their practices ) and need to start demanding answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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:
I AM FILING THIS COMPLAINT BECAUSE XXXX, XXXX, AND TRANSUNION HAS IGNORED MY REQUEST BACK IN XXXX OF 2018 IS WHEN I FIRST NOTICED THE UNFAMILIAR ACCOUNTS LISTED ON MY CREDIT REPORTS SO I MAILED OFF MY LETTER TO THE BUREAUS ASKING FOR THEM TO CORRECT THEIR ERRORS MY FIRST LETTER WENT OUT IN XXXX, SECOND WENT OUT IN XX/XX/2018, THIRD WENT OUT IN XXXX AND MORE LETTERS WENT OUT SINCE THEN REQUESTING THAT THEY HONOR THE FEDERAL LAW-FCRA 611 ( 5 ) ( A ) AND PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. THIS INCLUDES THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX   ACCT # XXXX XXXX XXXX ACCT # XXXX I DID SOME RESEARCH AND AS I UNDERSTAND, FEDERAL REPORTING LAWS, PARTICULARLY METRO 2 DATA FORMATTED REPORTING REGULATIONS ENACTED AS A RESULT OF THE CRSA, REQUIRES THAT ANY AND ALL INFORMATION OR NOTATIONS ALLEGED BE CERTIFICATED COMPLIANT AS WELL AS FULLY TRUE, CORRECT, COMPLETE, TIMELY, PROVEN MINE AND PROVEN OF MY RESPONSIBILITY. IT IS WITH CLARITY THAT THE SAME LAWS DICTATE THAT NO ENTITY INCLUDING A CONSUMER CREDIT REPORTING AGENCY SUCH AS YOURSELF CAN EXCUSE ITSELF FROM THE RESPONSIBILITIES OR LIABILITIES SHOULD THAT ENTITY BECOME DEFICIENT IN THAT COMPLIANCE OR PHYSICAL PROOF OF IT.I AM ENACTING MY CONSUMER RIGHTS TO HAVE ONLY CURRENT TRUE ACCURATE AND PHYSICALLY PROVEN METRO 2 COMPLIANT INFORMATION REPORTING. I DO NOT AUTHORIZE YOU TO RETAIN ANY OTHER ACCUSATIONS OF ADVERSE DEROGATORY NATURE, RETAIN OR RETURN TO REQUISITE METRO 2 COMPLIANCE BY YOUR WILLFUL ANNULMENT OF ANY AND ALL OF THE ABOVE LISTED. THANK YOU IN ADVANCE

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 2018-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM FILING THIS COMPLAINT BECAUSE XXXX, EQUIFAX, AND XXXX  HAS IGNORED MY REQUEST BACK IN XXXX OF 2018 IS WHEN I FIRST NOTICED THE UNFAMILIAR ACCOUNTS LISTED ON MY CREDIT REPORTS SO I MAILED OFF MY LETTER TO THE BUREAUS ASKING FOR THEM TO CORRECT THEIR ERRORS MY FIRST LETTER WENT OUT IN XXXX, SECOND WENT OUT IN XX/XX/2018, THIRD WENT OUT IN XXXX AND MORE LETTERS WENT OUT SINCE THEN REQUESTING THAT THEY HONOR THE FEDERAL LAW-FCRA 611 ( 5 ) ( A ) AND PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. THIS INCLUDES THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX   ACCT # XXXX XXXX  XXXX ACCT # XXXX I DID SOME RESEARCH AND AS I UNDERSTAND, FEDERAL REPORTING LAWS, PARTICULARLY METRO 2 DATA FORMATTED REPORTING REGULATIONS ENACTED AS A RESULT OF THE CRSA, REQUIRES THAT ANY AND ALL INFORMATION OR NOTATIONS ALLEGED BE CERTIFICATED COMPLIANT AS WELL AS FULLY TRUE, CORRECT, COMPLETE, TIMELY, PROVEN MINE AND PROVEN OF MY RESPONSIBILITY. IT IS WITH CLARITY THAT THE SAME LAWS DICTATE THAT NO ENTITY INCLUDING A CONSUMER CREDIT REPORTING AGENCY SUCH AS YOURSELF CAN EXCUSE ITSELF FROM THE RESPONSIBILITIES OR LIABILITIES SHOULD THAT ENTITY BECOME DEFICIENT IN THAT COMPLIANCE OR PHYSICAL PROOF OF IT.I AM ENACTING MY CONSUMER RIGHTS TO HAVE ONLY CURRENT TRUE ACCURATE AND PHYSICALLY PROVEN METRO 2 COMPLIANT INFORMATION REPORTING. I DO NOT AUTHORIZE YOU TO RETAIN ANY OTHER ACCUSATIONS OF ADVERSE DEROGATORY NATURE, RETAIN OR RETURN TO REQUISITE METRO 2 COMPLIANCE BY YOUR WILLFUL ANNULMENT OF ANY AND ALL OF THE ABOVE LISTED. THANK YOU IN ADVANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: OH

Complaint narrative:
this is not my debt if you believe it is please provide a copy of a signed written contract. i have no knowledge of this debt. also consider this as a cease and desist and also i need you to remove yourself from all 3 of my credit bureaus immediately and delete all my personal information now.

Company response to consumer: Closed with explanation