vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 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: TX

Complaint narrative:
XXXX XXXX XXXX  is not accurately reporting the balance as {$1000.00} on my XXXX  XXXX Card to Transunion, XXXX, and XXXX. I am not carrying a balance on this card. This card has been paid in full.

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 2021-04-13 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: TX

Complaint narrative:
XXXX XXXX XXXX  is not accurately reporting the balance as {$1000.00} on my XXXX  XXXX Card to XXXX, XXXX, and Experian. I am not carrying a balance on this card. This card has been paid in full.

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 2021-04-13 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 dats later I have not received a response yet. I feel like i'm 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 30 days gives a reason to immediately remove failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation 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 2021-04-13 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I " had '' a credit score of XXXX NEVER missed a payment. I made a purchase at Old Navy in the amount of {$33.00} ( I have XXXX  XXXX  XXXX  in  bills ). I came home and ON TIME applied the payment. It was applied to GAP, not Old Navy. Synchrony bank with no notification sends my " late '' payment to the credit company 's reducing my score by XXXX points. It impacted me so quickly that I was unable to refinance my car and my house to take advantage of some very low interest rates. I called Synchrony in XX/XX/XXXX to have Synchrony rectify. They sent me two affidavits both firm GAP and Old Navy acknowledging the error and that it has been fixed. All three credit reporting agencies are STILL indicating delinquency. I spoke with Synchrony again today on XX/XX/XXXX. They indicate they are sending another letter to all 3 credit reporting agencies explaining the error and that it should be removed completely from all 3 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 monetary relief
Consumer complaint received 2021-04-13 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: NJ

Complaint narrative:
Ive been unfairly locked out of my PayPal account. Ive had the account for almost ten years, which they recently claimed to have given me a {$20.00} credit for due to loyalty but I cant even access my balance to pay my bills every month. This can lead to late fees or me possibly ruining my living situation as Im counting on that money to get by. Ive set up Face ID and also tried to confirm my mobile number to help secure my account, the latter attempt being denied most likely because I have a prepaid phone number even though the website never indicated those as ineligible. Ive called several times to confirm and verify my identity but I ended getting hung up on, stuck in the automation system or not getting a call back at all. Ive also messaged them. Ive even had them tell me to contact them during business hours while I was contacting them during business hours. I just need help with this because its ridiculous and Im really just trying to do good business. My emails linked to my PayPal account are : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13 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: PA

Complaint narrative:
FDCPA 1692e misleading false reporting how can you validate/verify from the same source and have the last reported date and last actives date different on two different bureaus things are reporting inaccurately on my credit report I sent a certified letter to Equifax credit bureau 2 months ago and got no response here is my tracking number to prove they received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent in a dispute letter to remove inaccurate information from my credit file. I have tried calling Equifax and was informed that my dispute letters has not been received. This is the 3rd month in a row that Equifax has failed to investigate my dispute letters. I have a bankruptcy being reported that is inaccurate and not properly verified. I have contacted the court and they advised me that, they do NOT furnish bankruptcy information to any of the credit bureaus. I was also advised that only the last 4 of my SSN is provided to public record databases. So I am confused, as to how this information was verified as accurate and was placed on my credit report. I have asked Equifax on several different occasions how and through what source was this information verified, so that I may contact the source to correct the inaccuracies. I have yet to receive a response from Equifax and this is a clear violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Cash Express, LLC
State: KY

Complaint narrative:
I got a title loan in XXXX XXXX cash express ; in XXXX was quarantined due to XXXX & in middle of ice storm. They cant take pymts over the phone. They told me since Im out of state I can do XXXX bill pay but they have no corporate # so bill pay cant be done. You are asked to send money in name of cash express workers name which cost from $ XXXX {$16.00} per month : theyve been harrassing & threatening me since XXXX when I had XXXX and they cant take a debit pymt over the phone they wanted me to get out in spite of CDC warning nor could anyone make it to XXXX due to ice storm so they received pymt a little late due to it being mailed. I cant even find a legitimate business license for this company they have no corporate ID for bill money pymt and its unfair to send to just a workers name and make extra fees be of, ive asked the owner to call me ( XXXX ) and he said since Ive made complaints no one could speak to me, the harassment is getting out of hand they tried saying XXXX pymt was {$1.00} short when a worker gave me the amount at XXXX money Srvcs XXXX KY THE WORKER HEARD AMOUNT AND MONEY ORDER MADE AND SENT OUT now they say it was a new worker she erred and its my problem to fix. I live on a XXXX check. Have had 2 title loans in the past out of state o SC & they were paid off and easily paid with a legitimacy to the company. Something is wrong when a company cant provide you with a license # or corporate ID. I have proof of all pymts made. My original loan stated {$100.00} ... .since XXXX XXXX incident it goes up every month causing undue hardship.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-13 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: Portfolio Recovery Associates, LLC
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
XX/XX/2021 I am very upset with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not recived a valid response yet. I did my own due diligence and I know the credit bureas have 30 days to reply back and they havent. I feel like the credit bureas are taking advantage of me by ignoring my disputes I took time to send them. Sectyion 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Or I will file litigation due to the stress you cause me. My information was impacted by the XXXX  data breach may have got into the hands of the wrong person. I am begging for help at this point. 

I demand these accounts be deleted immediately or I will pursue litigation. 

On XXXX XXXX XXXX  XXXX  XXXX XXXX add a derogatory mark on my credit report per XXXX, XXXX  and XXXX  upon further research, this account was transferred/sold and I am no longer responsible for the accont. Debtor creditor did not verify this collection, also there was no written form of communication, contract, or signature for this accused debt at all, a bill without a signature does not validate the debt and anybody can send a bill and says its mines. According the the FCRA, XXXX  XXXX  XXXX XXXX has violated my rights as a consumer and I ; m requesting legal action to remove this account immediatelyly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
This account has not been proven to be mine, I don't know what this is. I don't want this gone from my report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: TX

Complaint narrative:
This account has not been proven to be mine, I don't know what this is. I don't want this gone from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: TX

Complaint narrative:
This account has not been proven to be mine, I don't know what this is. I don't want this gone 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 2021-04-13 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: TX

Complaint narrative:
accounts not mine : potentially negative icon Potentially Negative StatusCollection account. {$320.00} past due as of XXXX XXXX. 
Account TypeXXXX  Balance {$320.00} Date XXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$3000.00} Date XXXX Dispute XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$1800.00} Date XXXX Dispute Account Name XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$650.00} past due as of XXXX XXXX. 
Status Updated XXXX XXXX Balance {$650.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$650.00} Highest Balance {$0.00} Terms 1 Months On Record UntilJun XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Time Share Responsibility Individual Date Opened XX/XX/XXXX Status Open. {$2400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$17000.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$270.00} Original Balance {$16000.00} Highest Balance {$0.00} Terms NA Payment History

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 2021-04-13 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: TX

Complaint narrative:
accounts not mine : potentially negative icon Potentially Negative StatusCollection account. {$320.00} past due as of XXXX XXXX. 
Account TypeCollection Balance {$320.00} Date XXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$3000.00} Date XXXX Dispute XXXX XXXX XXXXXXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$1800.00} Date XXXX Dispute Account Name XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$650.00} past due as of XXXX XXXX. 
Status Updated XXXX XXXX Balance {$650.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$650.00} Highest Balance {$0.00} Terms 1 Months On Record UntilJun XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Time Share Responsibility Individual Date Opened XX/XX/XXXX Status Open. {$2400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$17000.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$270.00} Original Balance {$16000.00} Highest Balance {$0.00} Terms NA Payment History

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: TX

Complaint narrative:
XXXX XXXX XXXX  sent this company a letter to delete and update in XXXX to delete this account from my credit file on XX/XX/2021. I confirmed twice with the company, yet it is still being reported on my credit file. The companys update every beginning of the month. Its been almost XXXX weeks since XXXX XXXX XXXX asked this to be deleted and you are stop reporting on my credit. At this point its defamation. Shouldve been deleted on XX/XX/XXXX when reported to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: GA

Complaint narrative:
I provided proof that the XXXX bill, XXXX bill and XXXX that is on my credit was paid in full. I provided documentation. MY XXXX XXXX was denied and therefore the debt was no loner XXXX protected and I paid all of these debts in full. Yet, Experian, XXXX and XXXX  are still reporting BAD DEBT and Derogatory. I have been fighting for correct information for over a year, and would like these debts to be investigated thoroughly and do not exceed 30 days to correct.

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 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NM

Complaint narrative:
I did a XXXX XXXX transfer to XXXX  Bank on XX/XX/21 it has now been several weeks XXXX even gave an ACH confirmation code number XXXX, the funds are still missing and Chime is just giving me the run around, even though they stop {$44.00} from me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: TX

Complaint narrative:
XXXX XXXX XXXX  sent this company a letter to delete and update in XXXX to delete this account from my credit file on XX/XX/2021. I confirmed twice with the company, yet it is still being reported on my credit file. The companys update every beginning of the month. Its been almost XXXX weeks since professional debt mediation asked this to be deleted and you are stop reporting on my credit. At this point its defamation. Shouldve been deleted on XX/XX/XXXX when reported to be deleted

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 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I sent in a dispute letter to remove inaccurate information from my credit file. I have tried calling Experian and was informed that my dispute letters has not been received. This is the XXXX month in a row that Experian has failed to investigate my dispute letters. I have a bankruptcy being reported that is inaccurate and not properly verified. I have contacted the court and they advised me that, they do NOT furnish bankruptcy information to any of the credit bureaus. I was also advised that only the last XXXX of my XXXX is provided to public record databases. So I am confused, as to how this information was verified as accurate and was placed on my credit report. I have asked Experian on several different occasions how and through what source was this information verified, so that I may contact the source to correct the inaccuracies. I have yet to receive a response from Experian and this is a clear violation of my consumer rights.

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 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
First Bank Fl, keeps sending me notices that indicate that there is a problem with my condo insurance policy. XXXX XXXX  sent a letter on XX/XX/2021 stating that " The policy submitted did not show the loss payee as XXXX XXXX XXXX '' My Insurance is paid via escrow and the policy on the condo has never changed in XXXX years. I would like to know why they are contacting me and not handling any issues that they have directly with the XXXX company. 

Loan XXXX

Company response to consumer: Closed with explanation