vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-12-29 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 previously sent in a FTC report and Police report because I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. My reports also contained some errors pertaining my Personal Information. I am requesting that you promptly delete the addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX and XXXX XXXX XXXX : My name is : XXXX XXXX - DOB : XX/XX/XXXX SS # : XXXX ALL OTHER NAME VARIATIONS ARE NOT ACCURATE PLEASE REMOVE : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Name XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX My current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate and/or may belong to family members. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX My current telephone number is : ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company 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 2020-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29 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: OH

Complaint narrative:
I previously submitted a police report and FTC report for identity theft. The accounts listed below are still reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted 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 2020-12-29 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 previously submitted a police report and FTC report for identity theft. The accounts listed below are still reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GreenSky, LLC
State: MI

Complaint narrative:
GreenSky , LLC. needs to provide me proof of a signed contract by me. XXXX XXXX and I have completely parted ways and dismissed my loan so if GreenSky wants money, get it from XXXX. I have nothing to do with them or you anymore. Stop sending me bills. If you need to verify that I was refunded for my four treatments that did not work and my " contract '', determined by them, has been cancelled - call them. They sent me a letter but no proof of contract and neither have you. I have no money and I owe no money. It's now between you and XXXX. As far as I'm concerned, I have no more to do with either of you and paid my dues. Leave me alone or I'll get the ADA involved for you dismissing my medical documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: OH

Complaint narrative:
I have an Ohio Dept of Human Services listed on my credit report does not reflect the current status. It is listed 2 times. The account is paid as agreed but my report is also reflecting a negative status of the same account. Please delete the negative so it will reflect the current status only of PAID AS AGREED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: OH

Complaint narrative:
I have an Ohio Dept of Human Services listed on my credit report does not reflect the current status. It is listed 2 times. The account is paid as agreed but my report is also reflecting a negative status of the same account. Please delete the negative so it will reflect the current status only of PAID AS AGREED.

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 2020-12-29 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: OH

Complaint narrative:
I have an Ohio Dept of Human Services listed on my credit report does not reflect the current status. It is listed 2 times. The account is paid as agreed but my report is also reflecting a negative status of the same account. Please delete the negative so it will reflect the current status only of PAID AS AGREED.

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 2020-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I made a purchase with Paypal Pay in 4 payment on XX/XX/XXXX for {$590.00}. It was set for a recurring payment on my credit card. Before the last ( 4th ) payment of {$140.00}, my credit card was used fraudulently and i had to get a replacement from my credit card company. 

On Friday XX/XX/XXXX I received a text message from paypal stating that my last payment did not go through. I immediately went on to the paypal website, and it showed that my last payment was completed, and that there was nothing left to pay. I was unable to add any payment or change payment method or do ANYTHING regarding the transaction because paypal considered it closed & paid. Just in case, I added the replacement credit card but was denied access to remove the old ( fraudulently used ) card. I checked on the mobile app as well, it showed as fully paid there as well. 

On Tuesday XX/XX/XXXX, I was charged a late fee of {$8.00}, even though they showed that the payment was completed on XX/XX/XXXX. I was UNABLE to open a case with paypal about this ( they block you from opening any kind of case regarding Pay in 4 transactions ), and I have no way to get into the phone support lines. I ended up paying the {$8.00} late fee because i don't want a derogatory mark on my credit. But its messed up that paypal can show my loan as paid, prevent me from making any payment, and THEN charge me a late fee. It is ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alpha Recovery Corp
State: CA

Complaint narrative:
Hello, I am not sure if this is a system glitch but I have made several attempts to reach Alpha Recovery Corp . They recently placed an account on my credit that was already paid. I have been denied financing because of the error. I can not reach them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Sent several messages to various board members and executives and no response. Wells cashed my payment but did not apply it and then charged a late fee. See below From : XXXX XXXX XXXX Subject : Fwd : Due today : We haven't received your credit card payment Date : XX/XX/XXXX at XXXX XXXX EST To : XXXX Mr XXXX - Since XXXX I have consistently made this payment from my checking account at XXXX. The payments are on auto pay. Checks were cashed and credited to my account, no problem. See below- the XXXX payment was cashed By Wells on XX/XX/XXXX, but I received a past due notice. I emailed the Board and did not receive a reply. This week I received the XXXX bill with a past due late charge of {$38.00}. 
Two things please correct the XXXX record and reverse the late charge. 
Secondly I have a pending payment of XXXX for XXXX. Please see that it is proper credited to my account. 
Thank you. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
The last weekly phi I received was on XX/XX/XXXX I filed for lost or stolen card and they never restarted my benefits again

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 2020-12-29 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: OH

Complaint narrative:
XXXX XXXX is reporting I owe them XXXX + on my mortgage I do not owe them that type of money they are not The Originators of my loan I dispute that amount and what they're doing to me I've been trying to refinance this house for the last three years and they have been dragging my credit score down awesome the vehicle that appears on there from XXXX XXXX has been returned since XXXX of 2020 there is no rears there is no balance the vehicle has been returned and there's a few other things that are being in accurately reported and I'm trying to move forward in a credit world and they're making this impossible when I have children that I have to maintain thank you for your time

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 2020-12-29 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: GreenSky, LLC
State: WI

Complaint narrative:
I received notification that there was a hard inquiry from Greensky. We had a remodeling quote recently done and when I asked, we were clearly informed it was going to be a soft inquiry and will not ding our credit report. Now it shows as a hard inquiry on my account! I did not consent for a hard inquiry. We didn't even go through with the renovation. This should be deleted because this is completely unfair, we asked and was told something else different.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: OH

Complaint narrative:
XXXX XXXX is reporting I owe them XXXX + on my mortgage I do not owe them that type of money they are not The Originators of my loan I dispute that amount and what they're doing to me I've been trying to refinance this house for the last three years and they have been dragging my credit score down awesome the vehicle that appears on there from executor Finance has been returned since XX/XX/2020 there is no rears there is no balance the vehicle has been returned and there's a few other things that are being in accurately reported and I'm trying to move forward in a credit world and they're making this impossible when I have children that I have to maintain thank you for your time

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 2020-12-29 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: OH

Complaint narrative:
XXXX XXXX is reporting I owe them 50,000 + on my mortgage I do not owe them that type of money they are not The Originators of my loan I dispute that amount and what they're doing to me I've been trying to refinance this house for the last three years and they have been dragging my credit score down awesome the vehicle that appears on there from executor Finance has been returned since XX/XX/2020 there is no rears there is no balance the vehicle has been returned and there's a few other things that are being in accurately reported and I'm trying to move forward in a credit world and they're making this impossible when I have children that I have to maintain thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: OH

Complaint narrative:
The account for XXXX/XXXX-XXXX-XXXX, in which, I'm an authorized user is not reporting the correct credit limit of {$5500.00} on my credit report., which affects my credit score. I have attached information reflecting that, along with my Driver 's license to prove my identity.

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 2020-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I co-sign for my daughter 's vehicle 4 years ago her transmission just went out she returned the vehicle the vehicle is priced at {$11000.00} my daughter filed a bankruptcy executor it's still showing a {$7000.00} balance on my credit report in a vehicle has since been returned as of XX/XX/2020 things were recalled and a transmission went out they resold the vehicle and still is requesting XXXX from me and my daughter I'm asking for this debt to be removed please and thank you and I also would like how my car note is being reported for my XXXX XXXX because everything is current and up-to-date and my engine was just recalled on that please and thank you for all of the credit reporting agencies I'm having an issue with I'm just trying to get updated

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 2020-12-29 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
On XXXX XXXX, 2020, TRANSWORLD SYSTEMS I add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA TRANSWORLD SYSTEMS I has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation