vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: NM

Complaint narrative:
I tried to use my unemployment eppicard and it got declined!! I right away checked online like I usually do to see what was going on. It did not let me log in and it kept saying suspend/fraud activity. Called costumer service about 20 times and actually stayed 5hrs in hold for someone to never answer!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: GA

Complaint narrative:
I recently pulled my credit report and I saw several accounts that I was not aware of. I have filed a report with the FTC because know one would do anything.

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 2020-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull City Financial is collecting on behalf of XXXX XXXX. They submitted a negative credit report even though I disputed it. They have contacted me about multiple claims, most recently in the amounts of {$550.00}, {$460.00} and {$300.00}, for medical services that I declined and they provided against my wishes. Their physician apologized to me at my  release because of their provider 's error. Bull City finally removed an old claim from my credit that I disputed for years but they are still trying to collect. 

I have tried to dispute with XXXX and with Bull City, but Bull City refuses to even acknowledge that I am trying to provide information to correct this error, and XXXX keeps trying to get me to fill out paperwork for XXXX XXXX but will not address the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: GA

Complaint narrative:
I recently pulled my credit report and I saw several accounts that I was not aware of. I have filed a report with the FTC because know one would do anything.

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 2020-09-20 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: GA

Complaint narrative:
I recently pulled my credit report and I saw several accounts that I was not aware of. I have filed a report with the FTC because know one would do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Massachusetts Housing Finance Agency (MassHousing)
State: MA

Complaint narrative:
I see multiple 90-120 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 2020-09-20 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Hi, XXXX.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks

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 2020-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi My name is XXXX XXXX XXXX wanted to let you know i was scammed by a person and I authorized the transactions but never received anything back from the person. I am a customer of one west bank. My account number is XXXX. My address is XXXX XXXX XXXX XXXX XXXX CA, XXXX. I need my money back because i am a current XXXX  at XXXX and I need my money back from the scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: IA

Complaint narrative:
With {$2000.00} down payment ( {$10000.00} purchase price ). I was told the loan would only be granted if the extended warranty was purchased ( ~ $ 1,700+ ). Which also meant I now needed GAP due to high interest. 

With high pressure tactics and my loan paperwork stating this was optional I was forced into payments I couldn't afford with the high interest. Later to have it repossessed & sued for entire loan + interest had loan carried full term ( almost {$20000.00} total )

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 2020-09-20 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: PA

Complaint narrative:
Credit report agency is showing XXXX account Company is showing an account in collections on my credit report for XXXX from a credit card with a limit of XXXX. I attempted to contact this company over the last 2 years several times but was not responded to however they are illegal verifying the debt as valid to the credit agencies and refusing to respond to my request for proof. The company does not respond to emails and I'm not able to speak with an actual person because you need to enter you credit card number or personal information. I DON'T HAVE AN ACCOUNT SO I HAVE NO CREDIT CARD NUMBER AND MY PERSONAL INFORMATION I ENTER SAYS NO ACCOUNT FOUND. THIS COMPANIES LACK OF INTEGRITY AND ACCOUNTABILITY IS CAUSING DEROGATORY INFORMATION TO BE SHOWN ON MY CREDIT REPORT CAUSING ME HARM AND SLANDER MAKING IT IMPOSSIBLE TO LIVE A WORRY FREE LIFE AND FINANCIAL FREEDOM DUE TO THE ERROR THEY REFUSE TO FIX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: PA

Complaint narrative:
Credit report agency is showing XXXX account Company is showing an account in collections on my credit report for XXXX from a credit card with a limit of XXXX. I attempted to contact this company over the last 2 years several times but was not responded to however they are illegal verifying the debt as valid to the credit agencies and refusing to respond to my request for proof. The company does not respond to emails and I'm not able to speak with an actual person because you need to enter you credit card number or personal information. I DON'T HAVE AN ACCOUNT SO I HAVE NO CREDIT CARD NUMBER AND MY PERSONAL INFORMATION I ENTER SAYS NO ACCOUNT FOUND. THIS COMPANIES LACK OF INTEGRITY AND ACCOUNTABILITY IS CAUSING DEROGATORY INFORMATION TO BE SHOWN ON MY CREDIT REPORT CAUSING ME HARM AND SLANDER MAKING IT IMPOSSIBLE TO LIVE A WORRY FREE LIFE AND FINANCIAL FREEDOM DUE TO THE ERROR THEY REFUSE TO FIX.

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 2020-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Credit report agency is showing XXXX account Company is showing an account in collections on my credit report for XXXX from a credit card with a limit of XXXX. I attempted to contact this company over the last 2 years several times but was not responded to however they are illegal verifying the debt as valid to the credit agencies and refusing to respond to my request for proof. The company does not respond to emails and I'm not able to speak with an actual person because you need to enter you credit card number or personal information. I DON'T HAVE AN ACCOUNT SO I HAVE NO CREDIT CARD NUMBER AND MY PERSONAL INFORMATION I ENTER SAYS NO ACCOUNT FOUND. THIS COMPANIES LACK OF INTEGRITY AND ACCOUNTABILITY IS CAUSING DEROGATORY INFORMATION TO BE SHOWN ON MY CREDIT REPORT CAUSING ME HARM AND SLANDER MAKING IT IMPOSSIBLE TO LIVE A WORRY FREE LIFE AND FINANCIAL FREEDOM DUE TO THE ERROR THEY REFUSE TO FIX.

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 2020-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Someone tried to open a Paypal account using my ID information. It was not approved based on Risk of Invalid identity. I called the Company to let them know. They said it was not approved anyway. My reference number for the letter that I received is XXXX is from Paypal dated XXXX 

I put a Credit Freeze on my three Credit Reports and also have a I have an identity Protection service. 

On XX/XX/2020 I received a paypal cash card for me to activate it. 

I really believe that Paypal is doing the Scamming. When I call them it direct me to put in the card number with my SSN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-20 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: LA

Complaint narrative:
Experian reported my XXXX XXXX XXXX account as closed and included in bankruptcy, this is incorrect. It's an open account in good standing since XX/XX/XXXX. It lowered my score over 30 points. I've called several times with no help or resolution. I've tried contacting capital one auto also with no help from them either. XXXX XXXX Credit Card was included in my bankruptcy and now is a collection with XXXX XXXX XXXX, that's what I was disputing. They've now reported my bankruptcy wrong also, I never disputed that but it was discharged in XXXX and now they are showing it open. They keep disputing accounts I'm not opening disputes on and messing up my credit report. I'm trying to buy a house and this is messing everything up.

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 2020-09-20 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: TX

Complaint narrative:
They are reporting medical bills from XXXX twice on my credit report making it appear as if i have 4 extra derogatory remarks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: NJ

Complaint narrative:
On XX/XX/2020 my child support card ( njeppicard ) was locked, which I assumed for suspicious activity. I tried calling the # on the back of the card at least 10x a day and never got an answer, I would press 1 for  English 2 for XXXX and tried pressing 0, anything to get an answer and it didn't work. Finally I read somewhere to not press anything and wait for operator to finish speaking and this way I was able to get a hold of someone. However they could not help me and had to transfer me to Fraud Department, which DOES NOT answer the phone. I call at least 4x a day and ask to be helped by anyone and they say only fraud dept. can help me, I've spoken to a " manager '' and still nothing. So here I am unable to get my money for my child. NJ EPPI CARD sucks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO

Complaint narrative:
Dear Sir/Madam, I have contacted the company Credit Bureau Services multiple times on XX/XX/2020, XX/XX/2020 and XX/XX/2020 in regards to an alleged debt in which they are reporting on all three of my credit bureau reports for the sum of {$2000.00}. 

The original creditor shows as- XXXX XXXX XXXX. 

To date I have received no response from Credit Bureau Services after my numerous requests for validation for this alleged debt. Credit Bureau Services also verified this as accurate information with all three credit reporting agencies after I disputed this account. 


Thank you for any help that you may provide. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: Possible Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I made contact with Possible Finance to ensure my final money order was received for payment. I was advised by XXXX that it was received. A few days later I get a notification that Possible Finance reported me to the bureaus as 60 days late. Mind you, I sent both payments on one money order for the total amount owed back in XXXX. Here we are late XXXX and nothing has been updated. Theyre illegally reporting me late, causing my credit score to drop in lieu of 100+ points for something that is not true. Ive reached out over 4 times, requested a supervisor no response. Reached out to a contact I was given from the CEO and then I finally got a supervisor. I advised her given the lack of urgency I would need this to be resolved by Friday XX/XX/XXXX. She never reached out to follow up or respond to my email on XX/XX/XXXX. XXXX the supervisor I got in touch with reached out XX/XX/XXXX and I allowed her 48 additional hours to research and resolve a very simple complaint, that has been nothing short of complex on my end. Possible Finance is illegally reporting consumers as delinquent and advising we need to wait for them to check the mail, update the records, and submit to the bureaus. This is a clear violation of the Fair Credit Reporting Act as nothing theyre sending is actually accurate, neither is it fair treatment to consumers. Ive waited way too long, and at this point Im not going to wait any longer. Their business practices are extremely unethical. Their response times are entirely too delayed. They do not have a phone number for consumers to make contact with. Therefore we are stuck being bounced back and forth between their super delayed email responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: NY

Complaint narrative:
XXXX XXXX XXXX incorrectly reporting 12 XXXX XXXX on my credit report with approximately {$3500.00} in collection without proper verification in Accordance with FTC guidelines. No proof of having an account with 12 XXXX XXXX. 

Secondly, had a {$300.00} prepaid card with XXXX XXXX XXXX prepaid credit card that closed over 5 years ago. No proof of statement with proper reconciliation in good faith to verify information with support billing statements. 

Rather, received a frivolous comment from credit reporting agency that could not be supported neither verify.

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 2020-09-20 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: NY

Complaint narrative:
XXXX XXXX XXXX incorrectly reporting 12 XXXX XXXX on my credit report with approximately {$3500.00} in collection without proper verification in Accordance with FTC guidelines. No proof of having an account with 12 XXXX XXXX. 

Secondly, had a {$300.00} prepaid card with XXXX XXXX XXXX prepaid credit card that closed over 5 years ago. No proof of statement with proper reconciliation in good faith to verify information with support billing statements. 

Rather, received a frivolous comment from credit reporting agency that could not be supported neither verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: NY

Complaint narrative:
XXXX XXXX XXXX incorrectly reporting 12 XXXX XXXX on my credit report with approximately {$3500.00} in collection without proper verification in Accordance with FTC guidelines. No proof of having an account with 12 XXXX XXXX. 

Secondly, had a {$300.00} prepaid card with XXXX XXXX XXXX prepaid credit card that closed over 5 years ago. No proof of statement with proper reconciliation in good faith to verify information with support billing statements. 

Rather, received a frivolous comment from credit reporting agency that could not be supported neither verify.

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 2020-09-20 00:00:00
Product: Credit card or prepaid card — Store credit 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: NJ

Complaint narrative:
I have a Best Buy Credit Card and the Bank is Citibank. I made an morning online pickup purchase for a computer and XXXX XXXX on XX/XX/XXXX and canceled it online later in the afternoon the same day. I never picked up the purchase. Although they did give me a credit for the laptop for {$210.00}, they did not give e me a credit for the XXXX XXXX for {$100.00}, see uploaded letter I sent them on XX/XX/XXXX disputing the {$100.00} and now on my most recent statement they raised the balance to {$130.00}. I can not reach anyone by phone and I'm receiving emails demanding payment and have received nothing in writing about resolving my dispute inquiry. I have not used the credit card at all after 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 explanation
Consumer complaint received 2020-09-20 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: OH

Complaint narrative:
I have not bee late on this account there was not full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XXXX of this year showing I was late and that have NEVER been provided. 

XXXX XXXX Account # XXXX Please correct payment history as it not reporting correctly.

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 2020-09-20 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: OH

Complaint narrative:
I have not bee late on this account there was not full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XXXX of this year showing I was late and that have NEVER been provided. 

XXXX XXXX Account # XXXX Please correct payment history as it not reporting correctly.

Company response to consumer: Closed with explanation