vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-25 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: CT

Complaint narrative:
Due to a financial difficulty in late XXXX, I entered into a monthly payment agreement with XXXX XXXX for 8 months. XXXX XXXX agreed to allow me to pay a lower monthly amount for 8 months to help alleviate the financial difficulty. I paid every month automatically on time, and then proceeded to pay off the entire balance of my card in XXXX of XXXX. 

I made on time payments from XX/XX/XXXX to XX/XX/XXXX. Instead, XXXX XXXX recorded this period as late payments on my account, even though I was paying the minimum amount XXXX and myself agreed to. This is inaccurately reported on my XXXX, XXXX, and Equifax credit scores. I have disputed this item several times, and XXXX XXXX does not even have their own records of my payment history. When I call them, they can't even find the account, and it's closed. If they have no record, this should be removed from all credit reports immediately, as it has caused enormous prolonged financial inequity to me and my family, with an unreasonable interest on our home mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: CT

Complaint narrative:
Due to a financial difficulty in late XXXX, I entered into a monthly payment agreement with XXXX XXXX for 8 months. XXXX XXXX agreed to allow me to pay a lower monthly amount for 8 months to help alleviate the financial difficulty. I paid every month automatically on time, and then proceeded to pay off the entire balance of my card in XXXX of XXXX. 

I made on time payments from XX/XX/XXXX to XX/XX/XXXX. Instead, XXXX XXXX recorded this period as late payments on my account, even though I was paying the minimum amount XXXX and myself agreed to. This is inaccurately reported on my Experian, XXXX, and XXXX credit scores. I have disputed this item several times, and XXXX XXXX does not even have their own records of my payment history. When I call them, they can't even find the account, and it's closed. If they have no record, this should be removed from all credit reports immediately, as it has caused enormous prolonged financial inequity to me and my family, with an unreasonable interest on our home mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
GM Financial was unable to locate my account for payment over the phone on multiple inquiries during the coronavirus pandemic. They could not take a payment over the phone, and there was no way to make a payment online, as the account would not show up on their system. No mail was sent to our home with a billing statement, and there was absolutely no way to pay the account during the period in question. The balance was a result of taxes paid to the town on my behalf, by GM Financial, and I was never provided detail on what that balance was, or how to pay it. We contacted GM financial over 20 different times to pay this balance during XXXX, with no reply. They eventually reported this negatively as you can see in the screenshot in XXXX of XXXX. The balance was ultimately paid to GM when I purchased a new vehicle and traded in the lease, but this was the only way to settle the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: TX

Complaint narrative:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: TX

Complaint narrative:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX LOANS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since XXXX of 2021 I have been receiving numerous phone calls from a company called XXXX XXXX XXXX XXXX XXXX stating that they have been hired by a company called XXXX XXXX and that I owe a debt that needs to be paid. 

I have asked numerous times for the Experain, XXXX XXXX XXXX XXXX XXXX XXXX XXXX to provide me with proof that I am the person they say owes this debt with my signed signature pertaining to the matter. 

XXXX, XXXX XXXX XXXX continuously calls me and asks me for my attorney 's name and number and I don't know why. And they can't prove they have a contact with me.This account started out with a balance owed of around {$5000.00} and now I am receiving letters in the mail that the balance is now {$15000.00}. I am terrified and troubled with the financial stress and harassment they have added to my life. 

I have sent letters to all parties involved within the last 60 Days asking that this information be verified with me and I haven't received verification yet. This account needs to be 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 2021-12-25 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: CT

Complaint narrative:
XXXX XXXX was unable to locate my account for payment over the phone on multiple inquiries during the coronavirus pandemic. They could not take a payment over the phone, and there was no way to make a payment online, as the account would not show up on their system. No mail was sent to our home with a billing statement, and there was absolutely no way to pay the account during the period in question. The balance was a result of taxes paid to the town on my behalf, by XXXX XXXX, and I was never provided detail on what that balance was, or how to pay it. We contacted XXXX XXXX over XXXX different times to pay this balance during XXXX, with no reply. They eventually reported this negatively as you can see in the screenshot in XXXX of XXXX. The balance was ultimately paid to XXXX when I purchased a new vehicle and traded in the lease, but this was the only way to settle the balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-25 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: CT

Complaint narrative:
XXXX XXXX was unable to locate my account for payment over the phone on multiple inquiries during the coronavirus pandemic. They could not take a payment over the phone, and there was no way to make a payment online, as the account would not show up on their system. No mail was sent to our home with a billing statement, and there was absolutely no way to pay the account during the period in question. The balance was a result of taxes paid to the town on my behalf, by XXXX XXXX, and I was never provided detail on what that balance was, or how to pay it. We contacted XXXX XXXX over XXXX different times to pay this balance during XXXX, with no reply. They eventually reported this negatively as you can see in the screenshot in XXXX of XXXX. The balance was ultimately paid to XXXX when I purchased a new vehicle and traded in the lease, but this was the only way to settle the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: CT

Complaint narrative:
XXXX XXXX was unable to locate my account for payment over the phone on multiple inquiries during the coronavirus pandemic. They could not take a payment over the phone, and there was no way to make a payment online, as the account would not show up on their system. No mail was sent to our home with a billing statement, and there was absolutely no way to pay the account during the period in question. The balance was a result of taxes paid to the town on my behalf, by XXXX XXXX, and I was never provided detail on what that balance was, or how to pay it. We contacted XXXX XXXX over XXXX different times to pay this balance during XXXX, with no reply. They eventually reported this negatively as you can see in the screenshot in XXXX of XXXX. The balance was ultimately paid to XXXX when I purchased a new vehicle and traded in the lease, but this was the only way to settle the balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
A validation of debt letter under Fair Debt Collections Practice Act was sent to Portfolio Recovery Associates but they did not follow the requests of the letter within 30 days. A certified receipt from the united states postal service accompanied the letter to prove they received it. Up to present day they have not provided an original contract that bears my signature. They also failed to provide an affidavit of claim & a certification of authority. Due to their blatant negligence the alleged debt from Portfolio Recovery is considered fraudulent and invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/2021, a purchase was made on our XXXX Account for a XXXX XXXX XXXX unlocked XXXX XXXX XXXX XXXX XXXX, XXXX. Neither I nor my husband made this purchase. We have since made several unsuccessful attempts to have Capital One remove this from our credit card statement, and we have refused to pay as this was a fraudulent purchase. To add insult to injury, we have since received correspondence from Capital One stating that the fraud investigation is resolved. This could not be further from the truth. Also, in the next letter sent to us, they falsely stated that we have agreed that the charge was actually valid. We never agreed to such a thing. 

We have since that time contacted XXXX, and they agreed that this was an unauthorized purchase on our account. Since that time, XXXX has reversed any modifications made by this party and disabled our account, prior to our updating the account with a new password. 

The charge for {$500.00} was not made by us or anyone that we know. We have always paid our bills in full and on time for the duration of our credit history and believe that Capital One is attempting to take advantage of an elderly couple without any recourse to their unwillingless to remove the charge and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/2021 I purchased a fiber optic XXXX tree online and paid with my cash app debit card {$41.00}. On XX/XX/2021 I submitted a request to cash app to dispute the charge because I have not received the tree and I tried reaching out to the merchant but received email address not found message back. Which after submitting my request to cash app I decided to officially email a dispute request letter to cash app and signing as well and attach screenshots of the email address not found message that I received which I did that on XX/XX/2021. So after I emailed the dispute letter I decided to follow up with cash app to make sure they received everything they needed to start their investigation. So I chatted with them and the representative assured me that yes they did receive everything and that I would receive a response from them 10 days from the initial date that I submitted the dispute which was on XX/XX/XXXX so 10 days was XX/XX/XXXX and he also gave me a claim number for the dispute. On XX/XX/XXXX I contacted cash app to check on the status of the dispute and the representative told me that I didn't submit the request and therefore they haven't done anything so I needed to go start the whole process over again. So I said I have screenshots of me chatting with you guys a few days ago and I was assured that you guys had everything you needed. And then he left the chat so unfortunately I have not been able to get anywhere with them. The dispute letter that I emailed I had actually gotten it from your website the template. Here is my cash tag name XXXX XXXX and the case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: DE

Complaint narrative:
I do NOT owe {$610.00}. My VERY brief account with XXXX XXXX in 2020, should be {$200.00} at the MOST. I was waiting for XXXX XXXX  to Adjust the amount to a lower amount since I promptly returned their equipment in the winter of 2020. We chose to not have an account with XXXX XXXX ( or any cable company for the same reasons ) due to their Deceptive business practices with payment postings, amounts owed, and overall quality consumer satisfaction which is very low. Please help get this incorrect inflated amount not owed removed off my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: CA

Complaint narrative:
My identity was stolen and I had already submitted my identity theft report to you guys 30 days ago. It was for the account XXXX on date XX/XX/2020. Also I have the inquiries attached on the file that I would like removed as well due to my identity being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: RMS-Recovery Management Services, Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX I spoke with an agent ( XXXX XXXX ) from RMS-recovery and stated that the debt is not mine and I am calling to dispute it and would like to know the steps needed to take to dispute and remove it from my consumer report. The agent insisted that the debt was mine and also that it is valid saying that I have a responsibility to pay them, and I told them that I would like written communication of the described debt and that is the only way I want to be contacted from this point forward via mail. Also, I am not making any payment arrangement nor am I claiming this debt is mine. 

on XX/XX/XXXX I wrote a letter stating that this debt is not valid nor is the described debt mine. I am not claiming liability for it and it should be removed from my consumer report. I have a certified mail receipt # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Received a letter from XXXX stating the described debt which was only a bill from the original creditor, then I received a phone call from XXXX XXXX. then she began to harass me while I was enjoying my vacation time with my family for XXXX. Literally 3 days before the holiday. Stating that I need to pay that debt. I told her that I am not responsible for that debt and I sent in a letter in the mail. She then spoke over me saying that I will mark this debt as a refusal to pay and you will face penalty charges and fees and it will affect negatively on my consumer report and hung up the phone on me. I then began to call the company wanting to speak with the agent about the debt but then she continued to pass me off to a different agent over 3 different times. I had to speak with a different agent to describe the situation and I explain to them as kindly as possible that I would not like to ever be contacted by phone from this company ever again and that they need to remove their negative information from my consumer report. I've never been treated with so much disrespect in my life. this is illegal and they also violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
My name is XXXX. 

coinbase entered my account and stole XXXX euros, transferred them to XXXX without my permission. This money was mine and I had it in ETH2. I have sent them more than 100 emails and they say that this money did not exist, that it was a decimal error. In truth, that money was mine and I had converted to several cryptos. I have proof of its theft and of the conversions to different virtual currencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: CA

Complaint narrative:
My identity was stolen and I had already submitted my identity theft report to you guys 30 days ago. It was for the account XXXX on date XX/XX/2020. Also I have the inquiries attached on the file that I would like removed as well due to my identity being stolen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I did not consent to, authorize, nor benefit from the following accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/2021, Equifax is reporting the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX on my consumer credit report as a previous address. I have never lived at that address. I have disputed this once. Equifax reinvestigate this matter and mail me the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: FL

Complaint narrative:
Transunion still hasnt removed item from 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