vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
Equifax has an automated system that is trying to verify Me with information that does not pertain to me. There is and never had been a mortgage on my credit report but it is requiring that I verify who a mortgage was taken out with in XXXX and how much is the monthly amount. I have no idea because I have never had a mortgage and a mortgage has never shown on my credit report or I would have disputed it. I also did not attend any colleges in XXXX but it wants me to verify a student loan that I never had and I was not enrolled in college in XXXX. Equifax has rigged the questions so that I can't answer them to remove the freeze temporarily ; none of the questions apply to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I asked for assistance during this Pandemic of Covid. XX/XX/XXXX. I was deferred 2mos, advised forbearance..announced 4 mos into forbearance I was explained a full amount due in 4 months. I specifically stated I can't afford that what are options available. I was told contact the Select Portfolio Servicing Provider to assist on further programs available. I contacted in XXXX to be advised for mortgage assistance. On submission of documents ( 3 attempts ) I was told " Congratulations " you are under review for 30 days We will contact you. There was no contact untill I XXXX XX/XX/XXXX to hear I've been mailed a letter dated XX/XX/XXXX XXXX stating I've been Denied of All / Any Programs available. I'm declared " Default '' as to record that is going to report to credit bureaus The last year I have made {$500.00} payments on agreed of forbearance XXXX XXXX XXXX No explanation or writing until XXXX of a lump sum balance {$12000.00} be paid in full / or {$2.00}, 746.00 be paid for 12 months. I explained of XXXX Local Residents impacted by Pandemic Shut down / Closing of my part time buisness ( 3 x ) solely on my part time as a XXXX  worker, married with a husband who is also been affected by the Pandemic / close of buisness. I'm seeking help from local HUD COUNSEL and all other administer to this COMPLAINT. Furthermore to my own legal representation if necessary. I REQUEST IMMEDIATELY A RESPONSE FROM SELECT PORTFOLIO SERVICES from XXXX XXXX untill present XXXX XXXX. I have YET no contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Block, Inc.
State: TX

Complaint narrative:
Hello, CashApp has taken money away from me from refunds ranging from 80 $ -300 XXXX I have also not received any of these refunds and also have not received any help on getting these refunds pushed through, my paycheck also has not been deposited into my account, which is strange because it always goes through at the same time, every week, and every month. I have contacted all the merchants and they all said they have all processed the refunds fully through their end, its just cashapps end not fulfilling their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: GA

Complaint narrative:
In my last complaint I was unable to put that the credit bureaus all 3 are disputing items that have taken longer than 30 days to update the correct status of my credit profile. I am asking since they have violated this law FCRA as of XXXX and XXXX to remove all negative items effecting 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
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
Tried to remove freeze temporarily and the automated system asked a series of questions that do not pertain to me or anything on my credit report. I have never owned a home, no car loans, no loans at all, and no student loans in 2017. They ( Equifax ) know when they rigged the system to do this type of thing that it's not valid or correct. The crooks can access your file an add even when there is extended fraud alerts but I can't do anything with my own credit because they feel like doing these types of things to people at the credit bureaus. The system asked me for things that I couldn't answer because I never had any mortgages or car loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Theres some issue with this because the account is close and I dont know what to do

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 2021-03-26 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: SC

Complaint narrative:
The credit bureaus are being bullies when I disputed the items on my credit according to the FCRA yet they keep telling me things are accurate without proof. What are my options?

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 2021-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
I do not recognize an account with this company. I have not receive written notice about this debt or had a chance to dispute the validity of this debt. Once I have received notice i can do my research and if it is valid i will settle with the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: PA

Complaint narrative:
I was paid {$4000.00} by my sister. The payment automatically went to an old account. In order to access the account cashapp is requesting the security code of a debit card that I no longer have. I have contacted them multiple times to try to obtain access to the account. 

Their response has been to send me an email asking for certain account information. I have received the email 4 times from four different bots but have still not had my account issue resolved. I have attempted to speak to an actual person 4 times, but they continuously point you back to the emails which do not give you a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: FL

Complaint narrative:
AVANTE is claiming that I owe them {$2200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have not received written notice to dispute the validity of this debt. I do not have an account with this company. Once i receive written notice about this debt i can do my due diligence and determine if i should proceed with payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: GA

Complaint narrative:
Greetings! For months I have been disputing these items with the 3 major credit bureaus. I am 100 % sure they are breaking the law and I'm humbly asking that they delete and remove each negative item because I do not recognize or honestly own or will ever accept their errors for the items they can not prove are mine. From Last fall to this year and spring I have been disputing yet they keep breaking the law. They keep saying the items are verified without proof. Since they broke the law multiple times I am ready to file a suite against them. These companies have broken the law and I am humbly asking that you please help hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: ID Analytics, Inc.
State: PA

Complaint narrative:
I submitted a request to Sagestream for a security freeze on my Sagestream report.

Sagestream ignored my security freeze request and I have attempted to contact them and still no credit freeze has taken place.The FCRA provides me the right for Sagestream to freeze my Sagestream report. I would like the assistance of the CFPB to help me freeze my report with Sagestream.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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
State: GA

Complaint narrative:
PayPal closed my account for no reason and will not help me nor will they give me my money. They also disputed my two payments to my electric company that was paid two months before they closed my account totally XXXX and XXXXi didnt request this dispute and ive been without power and now must pay my power for a second time plus a XXXX deposit total of XXXX to power back on. 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 months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting my life. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Theres some issue with this because the account is close and I dont know what to do

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 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have attempted to dispute this debt with the creditor for the past few years. Portfolio Recovery continues to insist I owe a debt from XXXX XXXX  which I do not. I have several accounts with XXXX XXXX  and all of them have been paid in full. When previously asked for documentation from XXXX XXXX  confirming this debt is mine a few years ago I never received any documentation from Portfolio Recovery confirming an outstanding balance on any account with XXXX. Also when I reached out to the original creditor I was informed that I do not have any balances due on any of my current account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: GA

Complaint narrative:
Greetings! For months I have been disputing these items with the 3 major credit bureaus. I am 100 % sure they are breaking the law and I'm humbly asking that they delete and remove each negative item because I do not recognize or honestly own or will ever accept their errors for the items they can not prove are mine. From Last fall to this year and spring I have been disputing yet they keep breaking the law. They keep saying the items are verified without proof. Since they broke the law multiple times I am ready to file a suite against them. These companies have broken the law and I am humbly asking that you please help hold them accountable.

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 2021-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PENTAGON FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I have a vehicle loan with Pentagon Federal Credit Union. I was notified by the credit union I needed to provide insurance reflecting the credit union as the lien holder on the insurance policy with progressive insurance. I provided the information on XX/XX/2021 for full coverage insurance and on XX/XX/2021, the credit union added XXXX XXXX for {$6400.00} despite the fact I have provided insurance verification with Progressive reflecting Pentagon Federal Credit Union as the lienholder. This appears to be an attempt to levy a cost to the consumer for a fictitious issue when the insurance for the vehicle was forwarded to the credit union as requested. I had called on multiple occasions to discuss the issue so I was aware of the specific requirement. I have never experienced such a mess with a financial institution and this is costly to consumers. I am curious how often this happens across the credit union for vehicle loans. I am a retired XXXX  XXXX and have had numerous vehicle loans throughout my life and have never had this type transaction. The credit union appears to be aggressive in providing other benefactors with business at the consumer expense. This transaction appears fraudulent.

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 2021-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: SC

Complaint narrative:
The credit bureaus are being bullies when I disputed the items on my credit according to the FCRA yet they keep telling me things are accurate without proof. What are my options?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have requested XXXX  and Equifax to remove hard inquiries and block accounts from my credit reports that were a result of ID theft. They have yet to do so after 10 years supplying police reports, FTC affidavits and furnishing multiple other documents from my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-03-26 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: GA

Complaint narrative:
In my last complaint I was unable to put that the credit bureaus all 3 are disputing items that have taken longer than 30 days to update the correct status of my credit profile. I am asking since they have violated this law FCRA as of XXXX and XXXX to remove all negative items effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: GA

Complaint narrative:
In my last complaint I was unable to put that the credit bureaus all 3 are disputing items that have taken longer than 30 days to update the correct status of my credit profile. I am asking since they have violated this law FCRA as of XXXX and XXXX to remove all negative items effecting 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
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
AD ASTRA REC is claiming that I owe them {$1500.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: SC

Complaint narrative:
The items listed on my credit report that I have been disputing are not mine and I have been trying to dispute them for sometime now this 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
ARS is claiming that I owe them {$1200.00} but I didn't recognize this debt. Please Remove this inaccurate collection 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 2021-03-26 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: SC

Complaint narrative:
The items listed on my credit report that I have been disputing are not mine and I have been trying to dispute them for sometime now this 2021.

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 2021-03-26 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: UT

Complaint narrative:
For months I have been disputing items and the credit bureaus are lying about items on my report without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Receivables Performance is reporting a debt that was fraudulently obtained and will not furnish me with a contract validating the debt. I have requested and disputed this information with the bureau multiple times and they have yet to validate to remove this debt after supplying the necessary evidential backing of it being fraudulent.

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