vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-26 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXX TransUnion and XXXX  are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact XXXX XXXX XXXX and XXXXXXXX XXXX and TransUnion correct and remove this inaccurate info from my credit report. 

6. The Balance is outrageous!! {$16000.00} for 1 months rent?? This is insane!!

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 2021-05-26 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, Experian, XXXX and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact XXXX XXXX XXXX and Experian, XXXX  and XXXX  correct and remove this inaccurate info from my credit report. 

6. The Balance is outrageous!! {$16000.00} for 1 months rent?? This is insane!!

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 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: LA

Complaint narrative:
NATIONAL RECOVERY AGEN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX is claiming that I owe them {$650.00} but I didn't recognize this debt. Please Remove this inaccurate collection 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 2021-05-26 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: National Credit Systems,Inc.
State: AZ

Complaint narrative:
National Credit Systems : Account XXXX National Credit Systems is inaccurate reporting an item on my creditXXXX XXXX XXXX and XXXX  are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact National Credit Systems and XXXX, XXXX  and XXXX correct and remove this inaccurate info from my credit report. 

6. The Balance is outrageous!! {$16000.00} for 1 months rent?? This is insane!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: TX

Complaint narrative:
On XX/XX/2020, we purchased airline tickets in the amount of {$500.00} from XXXX XXXX XXXX XXXX for a trip in XXXX to XXXX. Before our trip, the company canceled our flights and issued a voucher. Because of Covid, the airline never again flew internationally, so we were never able to use our vouchers. Finally, the airline went out of business. I have sent all of this information to Citi-cards dispute center. They responded that the information I sent wasn't enough to support my claim and I am responsible for the charge. In the attached news article, it explains XXXX quit flying internationally on XX/XX/2020, and went out of business at the end of 2020.

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 2021-05-26 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: NY

Complaint narrative:
im writing you guys in regards to all of the fraudulent accounts on my credit report.i am a victim of identity theft. I need it all removed. I've sent a letter to the credit bureaus with all my information and all the fraudlent accounts to be removed.

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 2021-05-26 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: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
I have 4 ( four ) student loans with UAS/XXXX. Two of the accounts ( number XXXX and XXXX ) showed 3 ( three ) missed payments each at the end of XXXX for a total of 6 ( six ) missed payments. 
I found the problem on XXXX report early XXXX. All these accounts are paid by automatic debit and have never been late. 
I immediately called the creditor and confirmed that was an administrative error. They promised they would update the reporting by the end of the month XXXX XXXX XXXX. 
After that the account ending in XXXX showed 2 missed payment ( no longer 3 ). Nothing changed on the other account and I still have a total of 5 missed payments on both accounts erroneously posted against my name. 
I called again and again XXXX/Chesla, but they never gave me a definitive answer nor returned the multiple requests for a solution. 
I also filed multiple complains with XXXX, but they did not solve the problem either. In one of the complains their response was that the account was already updated and the complain was closed, but nothing changed. This was the reason I am filing this complain. 
Just want to note that this is not only an inconvenience. I am trying to finance a major real estate purchase and this reporting is causing by credit score to be under the level I would otherwise be entitled to better rates. I had to postpone the financing decision because of this problem. 
PS. I only see this issue with XXXX and not with XXXX I am not aware if the other credit bureaus are also reporting, but my real issue is with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: AZ

Complaint narrative:
XXXX XXXXXXXX XXXX  : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXXXXXX XXXX and Equifax are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact XXXX XXXX XXXX and XXXX Equifax, and XXXX correct and remove this inaccurate info from my credit report. 

6. The Balance is outrageous!! {$16000.00} for 1 months rent?? This is insane!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: GA

Complaint narrative:
I SENT LETTERS MORE THAN 30 DAYS AGO EXPLAINING THE DIRECT VIOLATION OF REPORTING ON MY CREDIT REPORT. 
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report. 

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. I NEVER GAVE WRITTEN CONSENT AND THAT IS FRAUD Failure to respond satisfactorily with deletion of the above referenced account and also a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation of Character 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g and 15 U.S.C. 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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

Complaint narrative:
Paypal has held my funds over 180 days as per the agreement that they said they will release funds after that. 

XX/XX/XXXX, PayPal blocked my account without any explanation or why they thought my account is a potential risk. 

I have tried to communicate with them regarding the issue and they have not replied to any of the messages I left and the customer service number doesn't work. 

Today is XX/XX/XXXX and I should have a received an email from PayPal stating I should withdraw the funds but they haven't and this goes against their legal terms and can be a potential law suit against the company. 

The email of the account is XXXX which a XXXX account. 

I'd really appreciate it you helped me resolve the issue and get my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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

Complaint narrative:
Paypal has held my funds over 180 days as per the agreement that they said they will release funds after that. 

XX/XX/XXXX, PayPal blocked my account without any explanation or why they thought my account is a potential risk. 

I have tried to communicate with them regarding the issue and they have not replied to any of the messages I left and the customer service number doesn't work. 

Today is XX/XX/XXXX and I should have a received an email from PayPal stating I should withdraw the funds but they haven't and this goes against their legal terms and can be a potential law suit against the company. 

The email of the account is XXXX which a XXXX  account. 

I'd really appreciate it you helped me resolve the issue and get my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: LEXISNEXIS
State: NC

Complaint narrative:
I contacted Lexis Nexis Consumer Center on XX/XX/2021 by certified mail to challenge the validity of an alleged bankruptcy that Lexis Nexis has listed on my consumer report. On XX/XX/2021, Lexis Nexis responded via mail that I did not send my state identification card in with my initial request, when in fact I did. On XX/XX/2021, I contacted Lexis Nexis by certified mail, and resent a copy of my initial request along with another copy of my state identification card. As of XX/XX/2021, Lexis Nexis has failed to respond to my request of an investigation of the alleged bankruptcy that Lexis Nexis has listed on my consumer report that is causing irreparable damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: NY

Complaint narrative:
im writing you guys in regards to all of the fraudulent accounts on my credit report.i am a victim of identity theft. I need it all removed. I've sent a letter to the credit bureaus with all my information and all the fraudlent accounts to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: NY

Complaint narrative:
im writing you guys in regards to all of the fraudulent accounts on my credit report.i am a victim of identity theft. I need it all removed. I've sent a letter to the credit bureaus with all my information and all the fraudlent accounts to be removed.

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 2021-05-26 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: GA

Complaint narrative:
I disputed the following medical bills listed below numerous times. Reporting this violates my privacy, my security and violates HIPPA which is against the law.

ALLEGED MEDICAL DEBT 1. violates my privacy my security and violates HIPPA which is against the law Account Number : XXXX Please remove it from my credit report. 

2. violates my privacy my security and violates HIPPA which is against the law Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime bank froze my account which had XXXX $ or close to that number, I have tried calling and emailing their tech support but the scalations from one manager to another seems to never end, I have not receive any updates about my funds, is been almost 6 months of them holding my money and I have received no calls or emails regarding this, it is the worst customer service I ever received from an online banking app. I would like to get my funds ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
We purchased a NEW XXXX XXXX in XX/XX/2021 and took out a loan with Kia Finance and we paid every month on time and actually paid in advance and in XX/XX/2021 and we only have a couple hundred dollars for payoff the vehicle which we sent a check on XX/XX/2021 for final payoff payment of {$200.00}. However the KIA Automotive Billing Department keeps sending us correspondence saying " your payment of {$200.00} IS PAST DUE '' THAT IS VIRTUALLY IMPOSSIBLE. 
We called the billing Department and they agreed there was an error but refused to send us a confirmation that there was an error. Talked to various people including a manager and they all refused to sent a confirmation of the mistake. A week later we get a bill saying we owe XXXX and there will be a LATE CHARGE OF $ XXXX.WE CONTACTED THE BILLING DEPARTMENT AGAIN AND IT WAS THE SAME STORY " WE CAN NOT SEND YOU ANYTHING VERIFYINF ALL THE ERRORS, BUT WE WILL MAKE NOTES IN YOUR RECORD. We paid this loan off years early and they keep sending us this kind of correspondence that will affect our credit rating of XXXX. We are never late paying anything always pay off early, just like now.

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 2021-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This account was sent to court and was dismissed and this on my credit report, As per the court this should be removed. 
'please see court orders

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I rally need some help here I feel like these credit reporting companies are ignoring me. I've called numerous times i've disputed incorrect information i saw on my account since XXXX and I haven't heard a single verification, response or anything. These companies are in violation of 15 united states code 1681 ( i ) it has been almost 70 days and they are really causing me stress since these inaccurate items are hurting my credit report. I asked them for simple proof as to who the debts belonged to and they haven't even been able to provide me that. The debts are not mine. I reached out to the debt collecting companies too but still no luck. I have no idea what else to do because i don't want to go to litigation with these companies but i really have no other choice. I know you are here to protect us so please help me. My information also may have been compromised in the XXXX and XXXX data breaches

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 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I rally need some help here I feel like these credit reporting companies are ignoring me. I've called numerous times i've disputed incorrect information i saw on my account since XXXX and I haven't heard a single verification, response or anything. These companies are in violation of 15 united states code 1681 ( i ) it has been almost 70 days and they are really causing me stress since these inaccurate items are hurting my credit report. I asked them for simple proof as to who the debts belonged to and they haven't even been able to provide me that. The debts are not mine. I reached out to the debt collecting companies too but still no luck. I have no idea what else to do because i don't want to go to litigation with these companies but i really have no other choice. I know you are here to protect us so please help me. My information also may have been compromised in the Equifax and XXXX data breaches

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On 2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
paid off car loan dealer bought over paid by almost 3 k they keep telling me my XXXX  XXXX  check in mail n ever got

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