vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
This is a XXXX account now a collection account that now appears as a collection account for {$1200.00} Account Name EOS CCA. In XX/XX/2013 i was contacted by XXXX, my cell phone provider at the time. They informed me that my data which included my location was accessed multiple times during the month of XXXX 2013 including my location by an unknown third party that breached XXXX security system. They offered me free months of service which i denied. They agreed to close my account with a XXXX balance. i went on to obtain a new carrier. I began to received bills from XXXX, I attempted to resolve the bill, they stated they would fix and XXXX the balance and that never happened. I have disputed the account with the credit beurou and they continue to report this information as correct and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I pulled my credit report recently and seen bills showing open or closed with balances when I have actually paid the accounts and would like them to be removed i will provide receipts and I discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. I have accounts that are reporting inaccurate and incomplete credit information on my Credit Reports I will highlight them and add them to the notes .these are the companies below XXXX-PROOF OF PAYMENT XXXX BALANCE REQUESTING DELETION FROM MY REPORT XXXX XXXX XXXXXXXX - PAID TO A THIRD PARTY CREDITOR STILL LISTED I WILL SHOW PAID 3RD PARTY THE BALANCE IT NEEDS REMOVED XXXX XXXXLISTED PAID ON BANK STATEMENT TO XXXX XXXX XXXX XXXX  PAID OFF IN FULL REQUESTING DELETION Multiple address and name spellings And unknown inquires on my report that I have never done business with them. 
I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX XXXX XXXX XXXX XXXX ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: OH

Complaint narrative:
I pulled my credit report recently and seen bills showing open or closed with balances when I have actually paid the accounts and would like them to be removed i will provide receipts and I discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. I have accounts that are reporting inaccurate and incomplete credit information on my Credit Reports I will highlight them and add them to the notes .these are the companies below XXXX-PROOF OF PAYMENT XXXX BALANCE REQUESTING DELETION FROM MY REPORT XXXX XXXX XXXXXXXX - PAID TO A THIRD PARTY CREDITOR STILL LISTED I WILL SHOW PAID 3RD PARTY THE BALANCE IT NEEDS REMOVED XXXX XXXX PAID ON BANK STATEMENT TO XXXX XXXX XXXX XXXX PAID OFF IN FULL REQUESTING DELETION Multiple address and name spellings And unknown inquires on my report that I have never done business with them. 
I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX XXXX XXXX XXXX XXXX ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-16 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: Nelnet, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: Capio Partners, LLC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 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: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: MA

Complaint narrative:
Hello and how are you? The other CRA went ahead and removed this bankruptcy public record from my credit report several months ago due to it being reported incomplete and misleading. But, unfortunately, your unlawful conduct has caused me a lot of stress and financial harm, including worry and other distress, out of pocket costs and expenses, and loss personal credit opportunities. You have failed to conduct a truthful investigation into this PUBLIC RECORD by the consumer laws. NOT IN COMPLIANT! 

Listen there is no way that you investigated this Public Record as accurate because I asked the court if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verify this? 

For example, court name is not accurate each bureau must report the actual name of the court, followed by ( city, state ). Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? I need for you to send me the petition to verify this account. If you can not do that, then this needs to be removed.

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 2021-03-16 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hello and how are you? The other CRA went ahead and removed this bankruptcy public record from my credit report several months ago due to it being reported incomplete and misleading. But, unfortunately, your unlawful conduct has caused me a lot of stress and financial harm, including worry and other distress, out of pocket costs and expenses, and loss personal credit opportunities. You have failed to conduct a truthful investigation into this PUBLIC RECORD by the consumer laws. NOT IN COMPLIANT! 

Listen there is no way that you investigated this Public Record as accurate because I asked the court if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verify this?

For example, court name is not accurate each bureau must report the actual name of the court, followed by ( city, state ). Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? I need for you to send me the petition to verify this account. If you can not do that, then this needs to be removed.

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 2021-03-16 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: MA

Complaint narrative:
Hi CRA Mgr ; Listen, i was going through my credit again this morning and noticed that this XXXX  Account # XXXX is still showing on my credit report as a charge-off status with multiple inaccuracies, and incomplete and misleading information. There is no way that this account was truthfully investigated because it continues to report 3 different high balance, different actual balance, different dates of last active, different dates of last payments, and a closed chargeoff account, shouldn't reprot any late payment and c/o on payment history. This is incorrect reporting and it's in violation of fcra and its illegally causing this account to re-aged.

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 2021-03-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I have contacted JPM Chase Bank to dispute the amount of {$320.00} billed to my credit card by Student Universe on XX/XX/XXXX. 
Chase then sent me a form asking me to fill this form and to attach supporting document. I filled in that form and attached the supporting documents ( this form is attached to this complaint ) which I send by fax to Chase on XX/XX/XXXX. 

However, Chase then closed my dispute without contacting the merchant, Student Universe. In their letter ( attached ), Chase stated that there was " no billing error ''. 
However, I never claimed that this was a billing error. I stated that the Merchant owed me a refund as indicated on the form that I submitted to chase. 

I then called Chase on or about XX/XX/XXXX. I had a long conversation with a dispute specialist who told me that Chase did not look at the documents that I submitted and closed the dispute out of hand. 
This representative then asked me many questions about the charge and my dispute. 
She told me that she has reopened the dispute. This was all done on XX/XX/XXXX. 


However, when I called on XX/XX/XXXX, a Chase dispute representative told me that my dispute was closed again, for the second time, and without an investigation. She stated that chase did not have enough information although I have provided a filled form and answered all questions about dispute during the phone conversation on XX/XX/XXXX. 

The representative on XX/XX/XXXX told me that I had to write to chase to reopen a dispute, but she told me also that chase did not notify me in any way about the second closing of my dispute. 
This was in direct contradiction to the conversation that I had with Chase on XX/XX/XXXX when I spent about 1 hour talking to chase dispute specialist and gave them all the details about the details. 

I asked to talk to a supervisor and was connected to a person who introduced herself as XXXX. I told her that I will complain to Federal Consumer Protection Bureau about the violation of my rights under Federal Fair Credit Act. However, XXXX refused to reopen my dispute and hang up on me. 
She used a XXXX slur to refer to me. 

Chase is violating my rights under Federal Fair Credit Act. I request that CFPB investigate my complaint and sanction JPM chase bank for violation of my rights and for a XXXX discrimination against me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-16 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 pulled a copy of my credit report and accounts i have in good standing that are paid to XXXX balance show late and delinquent status on my credit reports. I have provided receipts in the documents. The accounts listed below need updated to report accurate information the bureaus are required to report accurate information these need updated XXXX XXXXXXXX XXXX XXXX XXXX XXXX 2 ACCOUNTS SST PLEASE UPDATE THE BALANCES WITHIN 30 DAYS.

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 2021-03-16 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: I.C. System, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-16 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: MA

Complaint narrative:
Hi CRA Mgr ; Listen, i was going through my credit again this morning and noticed that this XXXX  Account # XXXX is still showing on my credit report as a charge-off status with multiple inaccuracies, and incomplete and misleading information. There is no way that this account was truthfully investigated because it continues to report 3 different high balance, different actual balance, different dates of last active, different dates of last payments, and a closed chargeoff account, shouldn't reprot any late payment and c/o on payment history. This is incorrect reporting and it's in violation of fcra and its illegally causing this account to re-aged.

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 2021-03-16 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: Consumer Adjustment Company Incorporated
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
Loan depot misled me into thinking it was doing a soft credit pull, but actually ran a hard pull.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion is reporting 3 inquiries by XXXX XXXX XXXXXXXX that was not authorized. The dates on the Transunion report are XX/XX/2020, XX/XX/2020, and XX/XX/2020. There was no authorization from myself for XXXX XXXX XXXX to inquire 3 times in such a period of 5 days. Also there is no authorization for Transunion to report such inquiries on my credit report. 

Remove these inquiries off of my transunion 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 2021-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I ordered tires for my car and I never received them. I filed a dispute on PayPal ( Case ID : XXXX ) and they denied my case because seller provided tracking number. The tracking number is XXXX. I checked with XXXX and they told me the tracking number wasn't addressed to me. Seller provided other person 's tracking number to manipulate the PayPal dispute. This seller is fraud and this needs to be addressed with law enforcement. XXXX tracking website shows item is 7 pounds. Tires should at least weigh 20 pounds. I can not believe PayPal is helping fraudster make money off of innocent people like this. I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CT

Complaint narrative:
I used to be a XXXX  customer and happened to getting internet service only from the company until on XX/XX/XXXX I've decided to leave the company after increasing my bill for up to over 50 % of the original package which was $ XXXX/month I had with the company when I first signed up with them back to XXXX. On XX/XX/XXXX I have made a payment in the amount of {$190.00} with XXXX which was the amount due on my internet bill at that time and to my knowledge my XXXX account for my internet services should automatically become current but that payment had never reflected on my account ; therefore I have switched to XXXXXXXX on XX/XX/XXXX which is the first bill I have received from the company. However, I've decided not to pay the month of XX/XX/XXXX with XXXX due to the fact I have contacted XXXX and paid for new internet services ; therefore XXXX has disconnected my services in the first week of XX/XX/XXXX then sent me a notice of disconnection on XX/XX/XXXX for past due balance of {$100.00}. On XX/XX/XXXX XXXX has released my bill report to a collection agency called Southwest Credit stating that I owe the company {$220.00} which is totally false and I have proof that my account was paid and current with XXXX on XX/XX/XXXX and besides XXXX has charged my account again for unreturned equipment which was returned in XX/XX/XXXX and I have a confirmation email from XXXX as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: Paypal Holdings, Inc

Complaint narrative:
Hi Team : Its XXXX XXXX Here. PayPal closed my account for no reason and will not help me with getting it back up and going. I updated my all the correct documents/bank statements. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for couple of weeks. I am here to file a report as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email on paypal account is ( XXXX ) and i do freelancing online to pay my university fees. Now its difficult for me to manage my life. Please help me into this. I shall be really thankful to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a letter of credit denial in XXXX of this year, I sent a copy to the three credit bureaus along with a letter including my social, name, birthdate and address. I received a copy of my credit report from XXXX only. Experian claims they didn't understand my letter even though I sent a copy of the letter of denial. XXXX did not respond.

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