vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-17 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: VI

Complaint narrative:
The XXXX has refused to remove a derogatory account from my credit report although I have repeatedly told them that what they have on my credit report is false and misleading. 1. The credit card they issued me had a limit of {$1000.00} and on my credit report they said it was {$700.00}. Secondly, I took back the refrigerator because it was not working properly and the cashier told me that I will see a balance of XXXX on the next bailing period. I felt that XXXX was a credible conglomerate and they were going to put the card back to XXXX but they didnt and the amount that should have went back to XXXX stayed on my card and went into delinquency and charged off.I have been trying desperately to have them removed it but they have refused to do so every time. I felt that I have been taken advantage of by XXXX because of my lack of knowledge as to what my rights are as a consumer. These people has ruined my credit and could careless about the damages they had cost me. My rights under the Fair Credit Reporting Act has clearly been violated by XXXX. I am hereby asking the credit bureaus to delete this account from my 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 2021-02-17 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: ACIMA CREDIT, LLC
State: MS

Complaint narrative:
Acima, a company I have never done business with and never heard of in my life, has reported false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: National Business Factors
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Balance : {$340.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

THE BUREAUS ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$59.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

Medical XXXX Balance : {$29.00} - This medical account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & HIPAA authorization because I did not agree to have any of my medical information shared. 

Medical XXXX Balance : {$43.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this. 

XXXX XXXXXXXX Balance : {$860.00} Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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 XXXX XXXX Balance : {$340.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$59.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} - This medical account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & HIPAA authorization because I did not agree to have any of my medical information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this. 

XXXX  XXXX Balance : {$860.00} Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my 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 2021-02-17 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: The Bureaus, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Balance : {$340.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$59.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} - This medical account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & HIPAA authorization because I did not agree to have any of my medical information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this. 

XXXX  XXXX Balance : {$860.00} Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Ill try to be brief. A company called CCB/XXXX gives me a loan for $ XXXX. XXXX interest yet makes it very difficult for the customer to make payments. Regularly stating my account can not be found. No auto pay option available and many small ways to limit or hinder an on time payment which in turn causes late fees for past due amounts. Ive addressed this issue with them and they have waived some fees and just recently made it easier for me to make over the phone payments. They state they understand my problem with my account yet now dropped my credit card limit from $ XXXX to {$400.00} bucks. Also I have two late payments on my record now because of the way they do business. They must be upset that Im trying to pay off my balance fast. This is their system and their lack of available payment options and is now causing huge damage to my report. I need help and options please. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My account was charged {$960.00} to my Paypal card. I filed multiple claims and appeals and have not gotten this resolved. I was told to file a police report in which I did. I was then told no further information was provided and I would not be refunded. This is a large charge in the middle of a pandemic I did not purchase. PayPal refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo cleaned my savings account. That's where I deposit my unemployment checks. I dont know why and I had no notice about it. Only a text stating my balance was 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 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
My debt owed to XXXX XXXX XXXXComenity Bank was settled in full on XX after meeting with XXXX. XXXX XXXX we agreed to settle the debt without any further help from the courts for {$520.00}. We spoke to the judge very briefly and I was given 30 days to pay the debt ( which I did ), and then a withdrawal would be filed. 

I paid the debt, the withdrawal was filed, but XXXX/Comenity Bank refuses to remove it from my credit report like we agreed upon and will not update the correct status of my account -- paid or settled for in full. They are reporting that I still owe them a full balance which is false. 

I've disputed multiple times since I've paid this debt with documentation from XXXX XXXX XXXX ( who deals with Comenity Banks debt collection ) and nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: WA

Complaint narrative:
Requested information regarding the bankruptcy that appears on my Transunion credit report and it has been well over 30 days and have yet to receive any information regarding the investigation and the information I requested.

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 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Credit Control
State: CA

Complaint narrative:
This account had no record that ever belonged to me with this authority/leaser. I tried to contact you several times and ask for proof of ownership but you failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: Titan Receivables, Inc.
State: CA

Complaint narrative:
TITAN RECEIVABLES INC ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} - The entire account status that is currently reporting on my own credit record is having a grave damage impact on my personal capability to obtain approval to obtain a new loan request, please be sure to have evidence that this has been recorded accurately in accordance with the Fair Credit Reporting Act procedures, it's really a very serious matter to mis-report. I desire to ask your verification of the above mentioned item also. If you can't examine this information as being 100 % exact I highly recommend you delete this straight away. 
Chapter XXXX Bankruptcy Dismissed XXXX - I've submitted proof that this is not my signature on the petition, you need to remove this immediately. 

Chapter XXXX Bankruptcy Dismissed XXXX - This was filed in my name by someone else and was fraud please remove immediately this Bankruptcy. You are reporting inaccurate Bankruptcy information. I contact my local court and no bankruptcy could be found with any of the information you have provided : Please remove this account Immediately. 

Chapter XXXX Bankruptcy Discharged XXXX - The creditor agreed to remove this account from my report. However, you are still reporting it Chapter XXXX Bankruptcy Dismissed XXXX You have incorrect information on my report this is the wrong docket number. This is a violation Remove Immediately. 

Chapter XXXX Bankruptcy Dismissed XXXX I have a certified letter from court stating they do not verify any accounts. 

Chapter XXXX Bankruptcy Dismissed XXXX 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 Bankruptcy Chapter XXXX Bankruptcy Dismissed XXXX - You've not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I've since made complaints against you with the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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:
Chapter XXXX Bankruptcy Dismissed XXXX - I've submitted proof that this is not my signature on the petition, you need to remove this immediately. 

Chapter XXXX Bankruptcy Dismissed XXXX - This was filed in my name by someone else and was fraud please remove immediately this Bankruptcy. You are reporting inaccurate Bankruptcy information. I contact my local court and no bankruptcy could be found with any of the information you have provided : Please remove this account Immediately. 

Chapter XXXX Bankruptcy Discharged XXXX - The creditor agreed to remove this account from my report. However, you are still reporting it Chapter XXXX Bankruptcy Dismissed XXXX I have a certified letter from court stating they do not verify any accounts. 

Chapter XXXX Bankruptcy Dismissed XXXX 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 Bankruptcy Chapter XXXX Bankruptcy Dismissed XXXX - You've not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I've since made complaints against you with the CFPB.

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 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: GA

Complaint narrative:
I have two accounts on my Transunion credit report that arent mine. I never opened these accounts, nor do I have any knowledge of them. This is my third time disputing these and its ridiculous as to why they are still there. I request that you have the two accounts erased from my credit report immediately. 
The accounts are : XXXX XXXX XXXX - {$700.00} XXXX XXXX XXXX - {$220.00}

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 2021-02-17 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: GA

Complaint narrative:
I have two accounts on my XXXX  credit report that arent mine. I never opened these accounts, nor do I have any knowledge of them. This is my third time disputing these and its ridiculous as to why they are still there. I request that you have the two accounts erased from my credit report immediately. 
The accounts are : XXXX XXXX XXXX - {$700.00} XXXX XXXX XXXX - {$220.00}

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 2021-02-17 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: Tesla, Inc.
State: CA

Complaint narrative:
Tesla XXXX XXXX is falsely reporting a loan on my credit report of over $ XXXX. I have never applied for or opened an account with Tesla. I entered into a monthly solar power buying agreement with XXXX XXXX, I did not obtain a loan or ever sign a loan agreement. 

This entry erroneously reflects a higher debt balance that lowers my ability to obtain more favorable credit rates. 

Other consumers have had this happen to them, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation