vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2
State: TX

Complaint narrative:
I now have an attorney looking into a debt collection on my credit report. I was notified by my attorney and the Texas  Secretary of State that Persolve Legal Group does not have the legal right to collect a debt or charge a finance charge in the state of Texas. I noticed Persovle Legal Group has been reporting negatively on my credit report. I do not have a contract with you. I also, found out I have a lawsuit against me. Again Persolve Legal Group does not have a legal right to file a lawsuit in the state of Texas for debt collection. I do have documentation that Persolve Legal Group did not have a bond to legally collect a debt during the time you bought the debt, filed it on my credit reports, and filed a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am writing in regards to the debt that doesnt belong to me. I HAVE A XXXX XXXX XXXX XXXX XXXX LETTER PROVING I DO NOT OWE THIS DEBT, THIS IS INACCURATE AND IS AFFECTING MY LIVELY HOOD GREATLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I contacted the XXXX XXXX through TD Bank finance explaining that there was a transaction made on my XXXX XXXX credit card account that is fraudulent and I have yet to receive the affidavit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Experian. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-Date of inquiry 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 non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: DC

Complaint narrative:
For my Binane.US account, the account has been locked and there is no ability to transfer either fiat or virtual currency out of the account. I have made numerous attempts to resolve issue with company over the past XXXX weeks. No company response or action to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: LA

Complaint narrative:
Good day! I am XXXX XXXX and I have been sending letters to report accounts on my credit report that are inaccurate. Also the inquiries that I am not aware of is giving me a hard time. I have been sending letters to verify these and I received no response but yet it is still in my credit report and it is hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I had been laid off work and was also out for XXXX for XXXX days without pay. I called XXXX XXXX to see what type of help I could receive because at this point I was already a few weeks pass the due date. I talked to one of the customer representatives to see what kind of help was available. The Rep told me to just set up a payment online. I told the representative I would not be able to pay until the following XXXX  which would make be 30 days late if ensured me that as long as I made the payment arrangement before the 30 days they would not report it as being late. I asked was the call being recorded because I am in the middle of a loan for a house. I made the arrangement and the money was paid out XXXX XXXX. My loan officer informed me that I had a 30 day late on my credit report and I was no longer eligible for the loan. I would also lose the monies I paid for the home inspection and appraisal. I also would lose my XXXX money deposit. I called XXXX XXXX and informed them of all of this and they said if that is what the representative said they would honor that and fix the error. Nothing has happened and I stand to lose everything I worked hard for to buy my home.

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 2021-12-14 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: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I had been laid off work and was also out for XXXX for XXXX days without pay. I called XXXX XXXX to see what type of help I could receive because at this point I was already a few weeks pass the due date. I talked to one of the customer representatives to see what kind of help was available. The Rep told me to just set up a payment online. I told the representative I would not be able to pay until the following XXXX which would make be 30 days late if ensured me that as long as I made the payment arrangement before the 30 days they would not report it as being late. I asked was the call being recorded because I am in the middle of a loan for a house. I made the arrangement and the money was paid out XXXX XXXX. My loan XXXX informed me that I had a 30 day late on my credit report and I was no longer eligible for the loan. I would also lose the monies I paid for the home inspection and appraisal. I also would lose my XXXX money deposit. I called XXXX XXXX and informed them of all of this and they said if that is what the representative said they would honor that and fix the error. Nothing has happened and I stand to lose everything I worked hard for to buy my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I had been laid off work and was also out for XXXX for XXXX days without pay. I called XXXX XXXX to see what type of help I could receive because at this point I was already a few weeks pass the due date. I talked to one of the customer representatives to see what kind of help was available. The Rep told me to just set up a payment online. I told the representative I would not be able to pay until the following XXXX which would make be 30 days late if ensured me that as long as I made the payment arrangement before the 30 days they would not report it as being late. I asked was the call being recorded because I am in the middle of a loan for a house. I made the arrangement and the money was paid out XXXX XXXX. My loan officer informed me that I had a 30 day late on my credit report and I was no longer eligible for the loan. I would also lose the monies I paid for the home inspection and appraisal. I also would lose my XXXX money deposit. I called XXXX XXXX and informed them of all of this and they said if that is what the representative said they would honor that and fix the error. Nothing has happened and I stand to lose everything I worked hard for to buy my home.

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 2021-12-14 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: SC

Complaint narrative:
Transunion Refuses to investigate Fraudulent Inquiries on my credit report dates of the inquiries XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XX/XX/2021 I spoke with a XXXX XXXX Supervisor And after I explain to him several times that according to the fair credit reporting act legally anything unverifiable or in accurate must be removed immediately he claims they cant Investigate a dispute for fraudulent inquiries

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 2021-12-14 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: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/2021, my account was at a - {$360.00} due to several refunds and payments that were applied. My statement closing date for that month is XX/XX/XXXX. Since my account was at a negative, I requested I be reimbursed the - {$360.00} via a check, which was sent to me via mail. I did receive the check, although I've yet to cash it. 

On XX/XX/2021, Discover added the {$360.00} back to my balance for XX/XX/2021 's statement. This makes 0 sense to me. I was owed a credit/refund, but now I owe Discover the money back? 

If I were to make a purchase at a store and decided to return the item for a refund, I wouldnt then pay the store in the amount of the credit that was owed to me. I dont see how it would be any different for Discover. 

I asked XXXX supervisors to investigate, but no one has provided me with a satisfactory answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
NewRez LLC has not payed my local property taxes. 
The taxes were due XXXX of XXXX, the taxes still have not been payed as of XXXX. 
I have contacted NewRez XXXX times about the lack of payment, NewRez has responded with either they're checking into it, the taxes have been payed, they mailed a check on XXXX ( Tax office has no funds from NewRez as of XXXX ) or they or waiting for a response from the local tax office. 
This is also happened last year with NewRez and my local tax office says multiple other NewRez customers have not had their taxes payed either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: Experian Information Solutions Inc.
State: PA

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau 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 remove the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXXXXXX-Balance {$0.00} XXXX XXXX XXXXBalance {$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 explanation
Consumer complaint received 2021-12-14 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:
There's inquiries on my credit report that I didn't Authorize.

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 2021-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Good Morning, I received a loan with the company Netcredit in XXXX of 2020. I must admit at the time I was beyond desperate, my XXXX XXXX was a XXXX months out of XXXX XXXX and medical bills was killing me. A couple weeks after I lost my main source of employment. However with my children child support I maanged to scrape by and make payment to avoid credit reporting. The original loan was {$3000.00}. I have been making payments since XXXX, however the company is saying that i have a balance of {$2500.00}. How is that possible? On XX/XX/XXXX, I lost my dad, had to take emergency leave to go to the XXXX, I sent an email to the company to let them know that i will not be able to make a payment, however they tried to withdrew payment, sending my account in negative. 
I tried having loan refinanced as I have never missed a payment and was unsucessful. Please help in anyway dealing with high interest company. I am struggling to get by, honestly can't afford XXXX XXXX monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Validate it or prove it. The XXXX court doesn't disclose information with the Bureaus and these bankruptcies don't show in XXXX system. I included a letter from the XXXX court saying they don't disclose information with the Bureaus and I also included documentation from XXXX saying these XXXX aren't reporting in their system.

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 2021-12-14 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: PA

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. Regardless of the XXXX written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau 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 remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$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 2021-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: LendingPoint Holdings LLC
State: OR

Complaint narrative:
XXXX XXXX XXXX have refused to allow me to seattle the account. I have provided all info for a medical hardship to seattle the account which they have refused. I have spoken with a XXXX XXXX she has been hostile and refusing to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: CT

Complaint narrative:
I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. Its been over XXXX so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a XXXX XXXX XXXX was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-12-14 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: CT

Complaint narrative:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. Its been over XXXX so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a XXXX XXXX XXXX was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation