vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are 4 accts that are onn my credit report that are not mine I have been disputing these with the bureaus as well as the furnishers as to why it is still on my credit report I have no clue if I have not opened these unknow accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX BANK Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

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 2021-03-31 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:
There are 4 accts that are onn my credit report that are not mine I have been disputing these with the bureaus as well as the furnishers as to why it is still on my credit report I have no clue if I have not opened these unknow accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
SECURITYCRED is claiming that I owe them {$6700.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: NY

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 I went to bank of america atm tried withdrawing {$600.00} and there atm malfunction and said the transaction will be reversed but wasn't and no cash was dispensed but my account is saying {$600.00} less now. I called and filed a claim twice and im getting nowhere one time they closed it and not resolved the they said they reopened it. I don't get it all they have to do is log in to the atm check the system and the camera and they'll see that no money was dispensed. But there not taking any actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: IL

Complaint narrative:
XX/XX/2021 PayPal decided to permanently limit my account I had this account since I can remember You can no longer do business with PayPal ( Ref ID - XXXX ) I also have a credit card with them that I can't no longer redeem the cash back since they closed my account. 
On Tuesday XX/XX/2021 i contacted PayPal to only tell me there's nothing it's can be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
Synchrony Bank XXXX XXXX did not resolve my complaint with a Service Quality issue. The card credited my account when I disputed the charge of {$230.00} by the XXXX XXXX for shoe inserts that were incorrectly made, so I could not use them. 
A month later Synchrony charged my card again for {$230.00} for the XXXX ( shoe inserts ). 
Synchrony Bank XXXX XXXX did not address the issue that the XXXX  XXXX XXXX employee provided incorrect information to the company that made the inserts, so that they did not fit my shoe. I refused to let them try again. I wanted my money back for the shoddy goods. The credit card company is supporting the merchant and forcing me to pay for shoddy goods. 

Below is a copy of the form I filled out for Synchrony Bank explaining why I should be refunded for the {$230.00} charge placed on my credit card for goods I could not use : XXXX XXXX XXXX XXXX Attachment : Service or Merchandise Quality Issue or Misrepresentation Questionnaire Date I went to pick up shoe inserts/ XXXX from XXXX XXXX XXXX : XXXX Method of Contact : In person Response : I went to XXXX XXXX XXXX to pick up the inserts that were custom made by a company from data/information provided by XXXX XXXX XXXX staff. 
The person who took measurements ( stated I had a size XXXX shoe, whereas my size is XXXX ) and she imaged my feet, so that one was in front of the other. Because the data she provided was incorrect, the inserts were useless. They would not fit my shoe properly. 
The same staff members who did not know how to gather data correctly wanted to do the process over again. I said, if they did not know how to get the information correct the first time, there was no use trying again. I wanted my money back. 
They refused and sent me a form after my visit on XXXX ( of which I had no copy ) stating that I had until XXXX XXXX on the day measurements were made and imaging was done ( XXXX ) to change my mind. 
I did not change my mind about getting the inserts. I refused to accept incorrectly made inserts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-31 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: IL

Complaint narrative:
There is a fraudulent collection on my account. I asked them to remove it three times already and the last time I asked was XX/XX/2021. There response was it falls under the fair credit reporting act. I have the original document from the creditor I obtain from a lawyer and it has different address, payment amount, name and phone number then whats on my credit report. I submitted new documents and they used a report from earlier in the month to justify the new document I provided.

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 2021-03-31 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: AL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
There is a fraudulent collection on my account. I asked them to remove it three times already and the last time I asked was XX/XX/2021. There response was it falls under the fair credit reporting act. I have the original document from the creditor I obtain from a lawyer and it has different address, payment amount, name and phone number then whats on my credit report. I submitted new documents and they used a report from earlier in the month to justify the new document I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: TX

Complaint narrative:
Equifax and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. Equifax and XXXX should not be reporting that I am ( 90 ) days late on the XXXX partial account number XXXX ; Equifax and XXXX  should not be reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX ; Equifax should not be reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX ; and lastly XXXX should not be reporting that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. Every one of these accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I was sitting on my bed checking my bank account with Bank of America around XXXX XXXX, and I watched my balance change from {$200.00} down to {$95.00} then to {$33.00} and some change, without me making not one transaction or withdawals, And they don't even give a company or merchants name or what was purchased or what kind or transaction that was done. Dedit card from Bof A number is XXXX XXXX XXXX XXXX exp. XX/XX/XXXX My name is XXXX XXXX XXXX owner of the account! And my card is not missing because I have the only one in my possession. Could you please take a look at my account and have the bank reimburse my account with the {$60.00} they just took for no reason, and im not even out making transactions this morning

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 2021-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc.
State: NY

Complaint narrative:
I had a XXXX  visit at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, and have insurance that covered most of the bill. My visit was in the summer of XXXX. I received a bill for {$10.00} from them for the amount that wasn't covered. After a few weeks, I paid the {$10.00} I owed. I received no mail from XXXX XXXX afterward. The only correspondence I had was a voicemail they left for me to schedule a visit. Today, XX/XX/XXXX, I received a letter from Choice Recovery, XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, Ohio XXXX dated for XX/XX/XXXX, stating the {$10.00} amount is in collections. I received no warning from the XXXX XXXX prior to this and have excellent credit. I would never have let a {$10.00} Bill go unpaid.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: IL

Complaint narrative:
Every time i file a dispute online ... They always come back and said it's valid. I have told the reporting company several accounts were not mine and there are 1-2 that i never applied for and it's on my credit report. So these accounts are never deleted. The accounts listed below are not mine. I had someone trying to use my personal info over the last 2-3 years. I have been working on correcting the problem and need your help with my issues. I have file a disputed XXXX XXXX XXXX {$3300.00} ( Not mine ) XXXX XXXX XXXX {$280.00} ( Never heard of this company ) XXXX XXXX XXXX XXXX {$570.00} XXXX {$1700.00} ( No acknowledge of this acct. ) XXXX XXXX XXXX {$870.00} ( Never applied, not mine ) XXXX XXXX XXXX {$100.00} ( Not mine acct. ) 2 Medical Bills which i disputed 4 years ago and shouldn't be on my credit report : 1.XXXX XXXX {$1600.00} 2 XXXX XXXX {$240.00} I have the following accts are closed on my credit report but they won't remove them. They causing me problems with obtaining new credit, 1XXXX XXXX XXXX XXXX 2. XXXX XXXX 3.XXXX XXXX XXXX XXXX 4. XXXX XXXX  5. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2
State: TX

Complaint narrative:
PERSOLVE is claiming that I owe them {$17000.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/2020 Wells Fargo offered a forbearance. I was told I could suspend loan payments. I took the option. So now Im being told I have to secure another loan or whatever else for those payments. My Wells Fargo account reflects a XXXX balance yet my credit report reflects a XXXX balance. So just what kind of XXXX mess has Wells Fargo done? I resumed payments and have been called twice asking me what my plans are. So are they trying to take properties from people?

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 2021-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My balance with capital one was XXXX dollars in delinquent fees. I paid off the balance and it was updated to XXXX dollars. I am up this morning and my balance is now back to XXXX dollars. They are not paying attention in regards to their credit reporting and I demand it be taken off now. I have bank receipts and email receipts from capital one for XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation