vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-29 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( LATE/OPEN ) XXXX  XXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: AR

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( LATE/CLOSED ) XXXX XXXX  XXXX XXXX Balance : {$0.00} ; ( CHARGE-OFF ) XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; ( COLLECTION ) XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXX Balance : {$390.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}

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 non-monetary relief
Consumer complaint received 2021-12-29 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: PA

Complaint narrative:
I reviewed my credit report and noticed there are some things reporting that I did not give consent to. I did not authorize nor benefit from the following inquiries. According to the fair credit reporting act the following inquiries must be blocked and removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: AR

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Opened XX/XX/2019 Balance {$0.00} still reporting on my credit report in violation of Federal Law. The TransUnion Credit Bureau is failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO. 

XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Opened XX/XX/2019 Balance {$0.00} ;

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 non-monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Collection Services, Inc. (OK, TX)
State: AR

Complaint narrative:
The company states that I owe a debt. The account needs to be verified. I don't want a statement. I want my contract with this company for the alleged account with my wet signature and the company 's signature. I want the services that I had with this company, and I also want to know if this company is a third-party debt collector. I have already filed a complaint with the Attorney General and the FTC. Pursuant to 18 USC 8 & HJR 192 of 1933 it's the US obligation. The account has several different dates on my credit report, and they are also reporting to all three CRA 's and I want them to delete the account from my report. I DO NOT give my consent to this company to report anything on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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:
I tried reaching out to this bureau several times about accounts that do not belong to me and are reporting on my credit report. this information is fraudulent and i want it investigated and removed from my credit 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 non-monetary relief
Consumer complaint received 2021-12-29 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( LATE/CLOSED ) XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; ( CHARGE-OFF ) XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: AR

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( LATE/CLOSED ) XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; ( CHARGE-OFF ) XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; ( COLLECTION XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}

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 non-monetary relief
Consumer complaint received 2021-12-29 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: PA

Complaint narrative:
Multiple requests for investigation into inaccurate reporting to an account listed on my Experian credit file. Experian did not investigate my dispute as promised. Instead, they returned my dispute as " verified '' with nothing being investigated. Experian has also prevented me from disputing this factual inaccurate account online! 

My credit report from Experian reflects a chargeoff for XX/XX/2019 for the account listed below, yet there is no other payment history leading up to this alleged chargeoff. 
There are no reported 30, 60, 90 or 120 day lates leading to the chargeoff that they have inserted into my file. 

I requested several investigations, demanding deletion due to inaccuracy. Experian returned investigations as " verified '' and " updated ''. 

How can a reported chargeoff with no payment history be verified as accurate? I redisputed payment status and Experian again, returned as verified with no proof. ( their " verified '' and " updated '' documents are attached with nothing to support their opinion that the account is verified as accurate ) Furnisher : XXXX XXXX Acct # XXXX... .. ( partial acct # ) Experian has repeatedly violated my rights by not properly investigating my disputes. 

They have stamped my disputes for this account as " verified '' without examining my report to determine its accuracy. Experian has stated that their " role is to review accuracy and completeness of any disputed item '', but they have ignored my disputes and instead, violated my rights. They have not reviewed my account for accuracy or completeness. 

I am demanding an immediate proper resolution.

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 2021-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had wire fraud on XXXX for amount XXXX from Citi Bank. The Bank said that they cant help me return money. When I spoke on the phone with manager he told me that Citi Bank is not responsible for my money and that I can hire lawyer of my choice to sue the bank. I talk to people in the XXXX branch-no one was able to help 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 2021-12-29 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: PA

Complaint narrative:
I tried reaching out to this bureau several times about accounts that do not belong to me and are reporting on my credit report. this information is fraudulent and i want it investigated and removed from my credit 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 non-monetary relief
Consumer complaint received 2021-12-29 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 tried reaching out to this bureau several times about accounts that do not belong to me and are reporting on my credit report. this information is fraudulent and i want it investigated and removed from my credit immediately!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
The company states that I owe a debt. The account needs to be verified. I don't want a statement. I want my contract with this company for the alleged account with my wet signature and the company 's signature. I want the services that I had with this company, and I also want to know if this company is a third-party debt collector. I have already filed a complaint with the Attorney General and the FTC. Pursuant to 18 USC 8 & HJR 192 of 1933 it's the US obligation. The account has several different dates on my credit report, and they are also reporting to all three CRA 's and I want them to delete the account from my report. I DO NOT give my consent to this company to report anything on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: IL

Complaint narrative:
FTC Report attached : Per FTC a police report is NOT required. 

I was incarcerated XX/XX/XXXX to XX/XX/XXXX in XXXX prison booking # XXXX. 
Any accounts or inquiries opened between these dates I did not open. 

I should have absolutely no credit established in my name. 

I have included the FTC report and copies of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: IL

Complaint narrative:
FTC Report attached : Per FTC a police report is NOT required. 

I was incarcerated XX/XX/XXXX to XX/XX/XXXX in XXXX prison booking # XXXX. 
Any accounts or inquiries opened between these dates I did not open. 

I should have absolutely no credit established in my name. 

I have included the FTC report and copies of my credit reports.

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 2021-12-29 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:
Unauthorized credit inquiries on my Equifax profile XXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX - XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX FACTUAL DATA Inquiry : XXXX XXXX, XXXX FACTUAL DATA Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I used to use PayPal as a way to pay faster and with less effort. I was caught off guard when a transaction failed leading me to find out my account was permanently limited, and that I am now unable to use any of PayPals services. I have contacted PayPal through their phone number and talked with a representative who told me that there was nothing he could do nor his superiors. The representative also stated that he was unable to see what caused the permanent limitation. I have read through PayPals terms of service and have yet to see where I committed a fault. What is worse is that there is no way for me to resolve this nor of even knowing what I did wrong. As a result, I can not provide the precise transactions that led to my account being banned, but I can provide the last four transactions which may be the reason. XX/XX/2021, transaction of {$26.00} NZD was sent to XXXX XXXX but was refunded the same day due to a mistake in the sending. XX/XX/2021, the amount of {$29.00} NZD was sent to XXXX XXXX. XX/XX/2021, {$46.00} USD was sent to XXXX XXXX XX/XX/2021, {$46.00} USD was sent to XXXX XXXX again as a mistake which I disputed to PayPal and lost. All the transactions before these were to websites and not real people. That is why I assume that one of the mentioned transactions is the reason for why I can not use my mobile wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX Inquiry Date XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: AR

Complaint narrative:
The company states that I owe a debt. The account needs to be verified. I don't want a statement. I want my contract with this company for the alleged account with my wet signature and the company 's signature. I want the services that I had with this company, and I also want to know if this company is a third-party debt collector. I have already filed a complaint with the Attorney General and the FTC. Pursuant to 18 USC 8 & HJR 192 of 1933 it's the US obligation. The account has several different dates on my credit report, and they are also reporting to all three CRA 's and I want them to delete the account from my report. I DO NOT give my consent to this company to report anything on my credit 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 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/2021 I disputed a charge with Citicard for {$1200.00} to a merchant XXXX I had purchased some bags and purses from their website and never received the products. I disputed the charge on XXXX XXXX after I tried multiple times to contact the seller with no success. The tracking number the website provided just said the item was left at doorstep but would not provide any additional information. I never heard back from Citicard and never thought anything of it. At some point they messaged me in their internal message system requesting me to reaffirm that I did not receive the package. I did not receive a letter, an email or a phone call requesting this and did not receive any notifications about the need for my additional signature or information needed. They denied my claim and when I realized that in XXXX I reopened it but they closed it again with no attempt to assist me. Again, they never contacted me about this and never provided proper notification of the disputes through formal channels with me and continue to be of no help. I never received my items and now They refuse to help me with the charge.

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