vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-14 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: NC

Complaint narrative:
I called XXXX twice to remove a fraud alert from my account but it continues to be updated. I called regarding this issues on the XXXX, XXXX, and XXXX of XX/XX/2020. I was informed that this fraud alert would be removed but everytime i look at my report it is not removed and seems to updated to a new fraud alert after i call. 

I called Transunion for the same situation and was told that the fraud alert would be removed effective immediately across all three reporting agencies but it has not been removed on any of the reporting agencies web pages. 

My credit score  was decreased by 52 on XXXX and 74 points on XXXX. I was never given any information as to why it had decreased. Everytime i called i was re-routed to another credit reporting agency that gave me no information as to why my score would have decreased. I believe these organizations are fraudulent and they should be able to report the reasons for any changes to a 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 explanation
Consumer complaint received 2020-08-14 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: NC

Complaint narrative:
I called Experian twice to remove a fraud alert from my account but it continues to be updated. I called regarding this issues on the XXXX, XXXX, and XXXX of XX/XX/2020. I was informed that this fraud alert would be removed but everytime i look at my report it is not removed and seems to updated to a new fraud alert after i call. 

I called XXXX for the same situation and was told that the fraud alert would be removed effective immediately across all three reporting agencies but it has not been removed on any of the reporting agencies web pages. 

My credit score  was decreased by 52 on Experian and 74 points on XXXX. I was never given any information as to why it had decreased. Everytime i called i was re-routed to another credit reporting agency that gave me no information as to why my score would have decreased. I believe these organizations are fraudulent and they should be able to report the reasons for any changes to a 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 explanation
Consumer complaint received 2020-08-14 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have a loan with PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) and PORTFOLIO. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) and PORTFOLIO with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14 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: VA

Complaint narrative:
Submitted original dispute on XX/XX/2020 and its been over the 30 days period. Sent a vod letter. No answer.

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 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX credit card ending XXXX appeared as Fraudulent charges in amount of XXXX incurred and will absolutely NOT my responsibility for the account, i have reach out to the bank institution notify all the fraudulent activities. I have completely Paid in full all of my account to zero balance except for Fraudulent charges. Any charges arise out of fraudulent account will not be in my responsibility.

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 2020-08-14 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: CA

Complaint narrative:
XXXX XXXX credit card ending XXXX appeared as Fraudulent charges in amount of XXXX incurred and will absolutely NOT my responsibility for the account, i have reach out to the bank institution notify all the fraudulent activities. I have completely Paid in full all of my account to zero balance except for Fraudulent charges. Any charges arise out of fraudulent account will not be in my responsibility.

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 2020-08-14 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: IA

Complaint narrative:
TO WHOM THIS MAY CONCERN, I AM XXXX YEARS OF AGE AND MY IDENTITY WAS STOLEN I NEVER HAD SO MUCH OF THE DEBT AND CREDIT CARD IN MY WHOLE LIFE LIVING SOMEONE HAS PRETENDED TO ME AND IM JUST CHECKING MY BECAUSE I WANTED TO BUY ME A HOUSE FOR ME AND MY XXXX   HUSBAND. I DONT KNOW HOW MUCH THE AMOUNT WAS ON EACH NEGATIVE ITEMS BUT CAN YOU PLEASE INVESTIGATE AND DELETE FROM MY CREDIT REPORT PLEASE.

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 2020-08-14 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: FL

Complaint narrative:
After reviewing my credit history I noticed a few account I have no knowledge of and believe my identity has been tampered with. I did not authorize any of these accounts nor have I inquired about them in no way. With that being said I would like this matter to be resolved by having them removed immediately.

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 2020-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I habe tried to have this company verify this debt they won't instead they send me a bill this does not mean I made the debt Where is my instrument bearing my signature and the contract evidence that it was bought deom the original creditor They will not prove this They so not have this information How can I be forced to pay without true verification

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 2020-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I mailed a validation letter for the debt disputes. The debt collector failed to provide any accurate information. The original creditors were filed in Chapter XXXX bankruptcy. In addition, the reported balances is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: VA

Complaint narrative:
Submitted original dispute on XX/XX/2020 and its been over the 30 days period. Sent a vod letter. No answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: VA

Complaint narrative:
Submitted original dispute on XX/XX/2020 and its been over the 30 days period. Sent a vod letter. No answer.

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 2020-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: AR

Complaint narrative:
I mailed a validation letter for the debt disputes. The debt collector failed to respond. The original creditors were filed in XXXX XXXX bankruptcy. In addition, the reported balances is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I mailed a validation letter for the debt dispute. The debt collector failed to provide any accurate information. In addition, the reported balance is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On Wednesday, XX/XX/2020, I asked for an advance of {$1000.00} from PayPal. com online to come from my PayPal Credit out of money they stated that I had available for a short term loan. Just recently I had borrowed to pay for eye glasses - 2 pairs for a prescription. The money was advanced to me and I paid off the loan ahead of time. 

PayPal told me on Wednesday, XX/XX/2020, that I had a {$1000.00} going to my wife 's account to pay for services on her account and PayPal told me that the {$1000.00} was advanced from my PayPal Credit line but then it was held back as a Pending Payment situation - with NO explanation or a payment that was supposed to be immediate. 

This was on Wednesday that the amount of {$1000.00} was supposed to be advanced to me today, Thursday, XX/XX/2020. The amount is still pending so my wife is forced to get money from a XXXX bank account to pay the transaction at a price in excess of XXXX percent exchange rate between XXXX to XXXX dollars! 

That is extremely costly for her to complete that transaction and PayPal gave us false information that the money would be advanced from my PayPal Credit account to her bank account to save her over {$300.00} to transfer {$1000.00} from XXXX to XXXX. This is totally ridiculous on the part of PayPal.

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 2020-08-14 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: FL

Complaint narrative:
After reviewing my credit history I noticed a few account I have no knowledge of and believe my identity has been tampered with. I did not authorize any of these accounts nor have I inquired about them in no way. With that being said I would like this matter to be resolved by having them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: FL

Complaint narrative:
After reviewing my credit history I noticed a few account I have no knowledge of and believe my identity has been tampered with. I did not authorize any of these accounts nor have I inquired about them in no way. With that being said I would like this matter to be resolved by having them removed immediately.

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 2020-08-14 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I left XXXX, XXXX on XX/XX/2020 and moved to XXXX, XXXX for a temporary stay about two weeks. When I was at the airport waiting for my flight to XXXX XXXX, XXXX on XX/XX/XXXX, I noticed that there were some unauthorized transactions on my credit card, which I always brings with me. I called the Barclays Bank immediately and they said they would reverse the charges. The unauthorized transactions happened between XX/XX/XXXX and XX/XX/XXXX. Most of them happened in XXXX, XXXX and some were from online store. In total, it was about {$400.00}. By the way, I went to XXXX XXXX for a personal trip between XX/XX/XXXX and XX/XX/XXXX, meaning I was not even physically in XXXX, XXXX, making it impossible for me to make the transactions. A fews day later, I received the credits for all unauthorized transactions. However, about 10 days ago ( On XX/XX/XXXX ), I got a letter from Barclays Bank saying there are three transactions which were made with the chip.The total amount is about {$160.00}. They said my card had to be present to make chip transactions and decided to put the related charges back on my account. As I said before, I was not in XXXX and I can prove that either with the receipt from a hotel or the GPS location on my XXXX XXXX. The Barclays Bank is accusing me of making the transactions which I never did and refused to drop the unauthorized transactions. This is ridiculous.

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 2020-08-14 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: IA

Complaint narrative:
TO WHOM THIS MAY CONCERN, I AM XXXX YEARS OF AGE AND MY IDENTITY WAS STOLEN I NEVER HAD SO MUCH OF THE DEBT AND CREDIT CARD IN MY WHOLE LIFE LIVING SOMEONE HAS PRETENDED TO ME AND IM JUST CHECKING MY BECAUSE I WANTED TO BUY ME A HOUSE FOR ME AND MY XXXX  HUSBAND. I DONT KNOW HOW MUCH THE AMOUNT WAS ON EACH NEGATIVE ITEMS BUT CAN YOU PLEASE INVESTIGATE AND DELETE FROM MY CREDIT REPORT PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: IA

Complaint narrative:
TO WHOM THIS MAY CONCERN, I AM XXXX YEARS OF AGE AND MY IDENTITY WAS STOLEN I NEVER HAD SO MUCH OF THE DEBT AND CREDIT CARD IN MY WHOLE LIFE LIVING SOMEONE HAS PRETENDED TO ME AND IM JUST CHECKING MY BECAUSE I WANTED TO BUY ME A HOUSE FOR ME AND MY XXXX  HUSBAND. I DONT KNOW HOW MUCH THE AMOUNT WAS ON EACH NEGATIVE ITEMS BUT CAN YOU PLEASE INVESTIGATE AND DELETE FROM MY CREDIT REPORT PLEASE.

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 2020-08-14 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: Applied Business Services, Inc.
State: TX

Complaint narrative:
I got alert from credit report applied bank was on there, i am unaware of any business being conducted with this company .... 
Not My account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
PayPal - negative {$1000.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$1000.00} XX/XX/XXXX Transfer There is an open dispute associated with this transaction. Visit the XXXX XXXX to view status. 
Paid with Balance {$1000.00} Transaction ID XXXX Seller info PayPal Note {$1000.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I habe tried to have this company verify this debt they won't instead they send me a bill this does not mean I made the debt Where is my instrument bearing my signature and the contract evidence that it was bought deom the original creditor They will not prove this They so not have this information How can I be forced to pay without true verification

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I contacted all 3 bureaus via certified and registered mail with return signatures on separate occasions in reference to disputes that I had sent and requested validation. Prior to this I had spoken to a representative via phone from XXXX  and they stated that I needed a document from the bankruptcy court to prove what I was saying about the public record. I contacted the us bankruptcy court spoke to a division manger who stated that they do not verify that info its a public record if someone has one and he would send a letter to  me indicating that I received the letter and I submitted the letter and previous disputes once gain to each CRA. On XX/XX/2020 I checked my credit and I saw that on both transunion and XXXX  they had removed the public record but immediately put it back on to my credit file, I am so confused because isnt that a violation in the first place because they had sent documentation in the past stating that they had verified this information Ive sent letters requesting the validity of my disputes and have yet to receive any correspondence on their procedures of verifying the validity of any disputes. None of the disputes has been resolved till this date XX/XX/2020. I initially had 5 derogatory marks when the public record was removed I had 4 now its back to 5 to prove my point.

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 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Ive advised all 3 credit Bureausto send me a copy of my report and they wont, so continue to merge my daughter and I as the same individual and have refused us the opportunity to obtain copies of our free credit reports to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: Block, Inc.
State: IL

Complaint narrative:
Cashapp/ Square Inc. closed down my account! They will not allow me to return my remaining balance in the app back to my bank. I have my bank XXXX linked to transfer the remaining funds but on the end of Cashapp/ Square, Inc. they wouldn't even lift a finger to help. Everything is automated responses and there is literally no actual person to contact to even explain the situation. At this point all I can do is stare at the number ( {$1800.00} ) on the screen. I just want my money back it's unfair that Cashapp/ Square,  XXXXnc. feels it's okay to reprimand me and pigeon hold the funds on my balance. At this point I consider this theft, I want to try everything possible before I take legal action involving a lawyer and judge. Unfortunately my hands are very close to being forced down that direction, if I can not receive any help.

Company response to consumer: Closed with explanation