vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Date opened on XXXX XXXX XXXX put a balance of {$68.00} on my credit report as a derogatory item and its incorrect they continue to replace them and readd them to my credit in the last month there were duplicated amounts for the same accounts with the same account numbers Ive had to complain about before.. I had insurance when I went to the dr for these medical bills not only did my insurance cover these bills I never received a direct bill of XXXX dollars to take care of the amount I knew nothing about it untill I seen it on credit 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 non-monetary relief
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Date opened on XXXX XXXX XXXX put a balance of {$68.00} on my credit report as a derogatory item and its incorrect they continue to replace them and readd them to my credit in the last month there were duplicated amounts for the same accounts with the same account numbers Ive had to complain about before.. I had insurance when I went to the dr for these medical bills not only did my insurance cover these bills I never received a direct bill of XXXX dollars to take care of the amount I knew nothing about it untill I seen it on credit 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 non-monetary relief
Consumer complaint received 2022-05-02 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: GA

Complaint narrative:
On XX/XX/2022 a letter was sent requesting the removal and update of several accounts reporting to my credit file inaccurately. 

( i.e, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX  ) This letter was sent 60 + days ago. Not only have I not received an UPDATE regarding the results and status of the investigation. I STILL shave these inaccurate accounts reporting to my credit.

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 2022-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
On XX/XX/2022 I received an email at XXXX XXXX  from PayPal indicating there was suspicious activity on my account and I also received an email for a receipt for a transaction equal to {$7500.00}. I immediately logged onto my PayPal account ( I did not click the links in the email but actually opened the website on my computer ). I opened a case about the transaction and disputed that it was an authorized transaction. Since it was such a large amount of money I also immediately called PayPal and they assured me that if I was hacked it would be unauthorized and I would get my refund. I also called my bank and asked them to freeze my account which they told me I could not do. I did not pressure my bank on this because I assumed there was no way my transaction would come back as authorized. When I woke up the next morning I checked my email and saw my case was resolved. PayPal had decided it was an authorized transaction. I immediately called and asked how they could possibly say that was the case and they told me they saw no signs of me being hacked. I asked how that was possible and that they were the ones who alerted me to the suspicious activity and they told me that it was an authorized transaction. The transaction was paid to a XXXX jewelry company and to be shipped to a XXXX address. I called PayPal back and they told me the only thing I could do was change by case to be a item not received case and if the transaction was not legitimate there would be a high chance I could get a refund still. They also told me I could try contacting the merchant and see if they could cancel the transaction. I did try contacting the merchant and the phone number they had listed did not exist. I called PayPal back the next day and said that I suspected they were a fraudulent company and that they were just the place the hacker transferred my money to. PayPal assured me that if that was the case there would be no way they could provide the information needed to dispute my case of item not received. Now I am waiting while they review the information that the merchant provided them and have a suspected resolution date of XX/XX/XXXX. Regardless of the outcome the fact that PayPal detected what was a breach of my security and still decided that I was not hacked and I was not protected makes me very distrustful of them ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: CA

Complaint narrative:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under TRANSUNION and XXXX XXXX XXXX XXXXXXXX 120 days late in XX/XX/2018, XX/XX/2018, XX/XX/2018 You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!

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 2022-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation
State: PA

Complaint narrative:
PENN CREDIT CORPORATION is a collections account that appears on my credit report even after I paid it off and they refuse to remove the paid collection from my credit report even tho they got me to agree to a settle and delete. the only reason i paid it is because the representative from Penn credit said he would take the account off of my credit report if i agreed to pay him and i did but now the account a year and a half later is still onn my credit report as a derogatory mark and it is affecting me buying my first home and when i called they told me they don't remove the account and that the gentleman that i paid to pay the account off lied to me and that i was out of luck. 

this is a violation of my rights as a consumer and my credit is being harmed even after paying a debt in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 


CAPITAL ONE Bal. {$0.00} Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
The following company never proved their methods of verification through several stages of written credit disputes : XXXX XXXX XXXX XXXX XXXX XXXX The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 

The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
Navient trying to collect while these loans are federal order of Deferment per the US presidents order.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Account : XXXX XXXX The credit bureaus stated my count was properly investigated but how is that possible if the open date is in accurate the dates last active is in accurate and that last report it is not accurate this grounds for Removal they also violated my rights 15USC 1681 section 602 A. States I have a right of privacy 15 USC 1681 1681 section 604 A section 2 It also states a consumer reporting Agency can not furnish a account without my written instructions

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 2022-05-02 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union auto loan. I refinance my auto loan last year and paid for GAP insurance. I got a lower interest rate last month and paid off the loan. I called to see if you get a refund and the answer was no. This is just an easy way for the credit union to keep a member money especially if you pay the loan off early. Hard to believe the credit union has the interest of its military members in mind. Since I didn't use any of the GAP insurance, the credit union should give a refund and not be so hung up on making a profit. They made a profit by selling this service and if you pay off the loan, they should offer a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
The following company never proved their methods of verification through several stages of written credit disputes : PORTFOLIO RECOVERY ASSOCIATES The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 

The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: FL

Complaint narrative:
Ive submitted disputes to both XXXX and Experian on XX/XX/XXXX for Account number XXXX I have been told that the account has been verified. However the information sent by the debt collector is outdated. The Proof of validation that was sent to me was an expired lease signed in XXXX. The lease terms clearly state the initial lease beginning XX/XX/XXXX to XX/XX/XXXX. The dates for the charges sent by the debt collector show a notice given date and move out date of XX/XX/XXXX. the debt collector has failed on multiple occasions to appropriately provide proof to validate the collection. This inaccuracy has plagued my credit for three years and after multiple disputes the bureaus refuse to properly investigate my claims.

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 2022-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONGRESS COLLECTION CORP
State: WI

Complaint narrative:
I was sent two notices from a company by the name of Congress Collection. They are both dated XX/XX/2022. One is in the amount of XXXX and the other is in the amount of XXXX. Both of these matters were forwarded to a collection agency by XXXX XXXX XXXX a ignition interlock company. The company stated they had sent me a bill on XX/XX/XXXX and this was never received. Previously they would email, send a bill, and even call when there was an amount due. I never received any notification at all that there was any amount due until I received these notices from a collection agency. The amounts shown on the notices has all kinds of charges that dont pertain to my accounts. First they have a retrieval fee, and I sent the devices back. They have lease amounts that are incorrect due to the fact I have documentation signed by a judge that orders half price monthly fees. Then they are stating I owe fees for this matter being sent to collections when I was never notified. The collection agency stated that my credit will be affected if I dont make payments on these accounts. Im very frustrated with this entire thing because I just spent 3 years cleaning up my credit history. I understand that there may be amounts due and am willing to take care of what I owe however the way this has been handled I believe is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: DISCOVER BANK
State: FL

Complaint narrative:
15 U.S.C. 1681b - U.S. Code - Unannotated Title 15. Commerce and Trade 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe -- The accounts below hould not be reporting on my credit reports by law : XXXX ( Account numberXXXX ) opened XX/XX/2019 DISCOVER BANK ( Account number-XXXX  ) opened XX/XX/2019 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2022-05-02 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: MD

Complaint narrative:
I submitted 3 disputes to TransUnion regarding late payments on my report that are not accurate. I submitted letters via certified USPS mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Each letter requested them to investigate, and my statement was : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
Following each letter TransUnion responded with an updated credit report, with each account status listing : We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. 

Each of the 3 letters was responded to in a way that they failed to provide how they verified information as accurate, through what agency or company, or any statements or proof from whoever verified the information. 

My dispute letters are attached.

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 2022-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: VA

Complaint narrative:
The following company never proved their methods of verification through several stages of written credit disputes : SELF / XXXX XXXX The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 

The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: GA

Complaint narrative:
On XX/XX/2022 a letter was sent requesting the removal and update of several accounts reporting to my credit file inaccurately. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX  ) This letter was sent 60 + days ago. Not only have I not received an UPDATE regarding the results and status of the investigation. I STILL shave these inaccurate accounts reporting to my credit.

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 2022-05-02 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: GA

Complaint narrative:
On XX/XX/2022 a letter was sent requesting the removal and update of several accounts reporting to my credit file inaccurately. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This letter was sent 60 + days ago. Not only have I not received an UPDATE regarding the results and status of the investigation. I STILL shave these inaccurate accounts reporting to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
Unknown credit Inquiry in XXXX credit report from Elan Financial XX/XX/2022.

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