vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 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: IL

Complaint narrative:
TransUnion is continually reporting INACCURATE / FALSE information on my credit profile, which is affecting my ability to obtain credit. 

I've sent Transunion a FEW letters, Certified mail with return receipt, regarding the INACCURATE account by XXXX XXXX COMPANY, TransUnion initially received my dispute and claimed the inaccurate account / information was " verified. '' When I mailed them ANOTHER letter asking them for their Method of Verification, which is my right to know, they ignored my request, and stated that " they had previously verified the account, and didn't have to reinvestigate the account. '' So, I sent ANOTHER letter disputing the inaccurate account, and it's been OVER 30 days and I haven't received ANY correspondence regarding my dispute of the negative, INACCURATE account, nor has this INACCURATE information been removed from my credit report! It's unfair that, during these times, especially, that companies are ignoring consumers, and not upholding Federal Law nor protecting consumers!

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 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: MO

Complaint narrative:
Company involved is Paypal. I received a prepaid mastercard in my name with a card number and documents on what to expect with the card on Friday, XX/XX/2021. The card has a sticker on the front with a number to call and activate. I did notice a drop in points on my credit score but thought nothing of it until i received this card. I do have a paypal account that I used for receiving funds from XXXX sales in the past and to transfer money, but I have never in the past year opened a new credit card with Paypal. 

An attempt to contact paypal that day went unsuccessful and another attempt was made Monday morning, XX/XX/2021. The representative could not find any information on file that indicated I had opened a new account or that I had a card on file. He attempted to direct me to a representative within the credit card department to help me but the call was never answered. I will attempt again Tuesday morning, XX/XX/2021 to contact paypal about this problem.

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 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have had a US Bank account, of some kind, for more than 40 years. I have been satisfied with their service, until I received a deceptive offer to apply for a credit line limit increase. 

A couple weeks ago, I received a pre-approved credit line increase and was provided a special pre-approval code. My credit score, according to US Bank last week, is XXXX and remains unchanged. 

After deceptively enticing me to apply for this pre-approved offer, US Bank did a hard pull of my credit and then declined the pre-approved offer, even though my credit score remained unchanged at XXXX. 

Now, my credit score has, in fact, been damaged by US Banks intentional deception. This review has been submitted to the CFPB, the XXXX, and the Washington State Attorney General Office.

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 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate, invalidated and questionable items on my credit report and to this day it's been over 45 days later and I have not received a response concerning this matter. I feel like I am being ignored on this very important issue that's impacting my financial situation and credit worthiness. Section 611 plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from ones credit report. In my case it has been 45 days and counting so they should be deleted promptly. 

I demand these accounts to be delete immediately or I will file litigation due to the stress this has caused me. My information was also impacted by the Equifax Data Breach and may have gotten into the hands of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Several federal violations pursuant under 15 U.S. Code 1692 were committed by Portfolio Recovery Associates, LLC dating XX/XX/XXXX through XX/XX/XXXX. I never gave consent for Portfolio Recovery Associates, LLC to communicate or contract with me. As a federally protected consumer, I requested valid proof of the alleged obligation several times and never received said validation. In XXXX of XXXX, Portfolio Recovery Associates, LLC reported this alleged debt to XXXX, XXXX  and XXXX  consumer reporting agencies violating my federally protected rights as a consumer pursuant to 15 U.S. Code 1692 and wreaked havoc to my credit status. I filed complaints with XXXX XXXX XXXX of XXXX XXXX XXXX, State of North Carolina Dept. of Justice, and Commonwealth of Virginia Office of Consumer Affairs. On XX/XX/XXXX I received a letter from Portfolio Recovery Associates, LLC stating that they filed a Universal Data Form electronically requesting that the three consumer reporting agencies update PRA 's trade line for alleged account on my credit reports. On XX/XX/XXXX the debt collector was sent a notarized Affidavit of Truth, exhibit ( s ) of violations and an invoice certified mail for their abusive practices from the federally protected consumer seeking monetary relief pursuant to 15 U.S. Code 1692k. I'd like closure to my requested remedy according to damages sustained and regulated under 15 U.S. Code 1692. There is no statute of limitation for fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: IL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
1. Mistaken Identity XXXX XXXX Account Number : XXXX Please remove this account from my credit report 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 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was recently a victim to fraud where a company I never heard of charged my card {$580.00}. I made a claim with my bank ( Bank Of America ) and they put the funds back in for me but I just got a letter saying that my claim was denied and now they are taking back the temporary claim.

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 2021-04-06 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: FL

Complaint narrative:
Experian claims to have verified this account in which in my opinion they have not because this account has been settled and paid. The open date is incorrect. Experian is the only credit agency that is still reflecting this account incorrectly. 


Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$1000.00} as of XX/XX/XXXX XXXX opened XX/XX/XXXX Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit card Terms NA On record until XX/XX/XXXX Credit limit or original amount {$1000.00} High balance {$1000.00} Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account closed at credit grantor 's request. 
Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX. 
Account history XXXX XXXX CO XXXX CO XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX CO XXXX CO XXXX CO XXXX CO XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX OK XXXX OK XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXXr OK XXXX OK XXXX OK XXXX OK XXXX XXXX OK XXXX OK XXXX OK XXXX OK Payment history guide Charge Off as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX  180 days past due as of XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX 2018

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 2021-04-06 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:
The credit agencies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
PARAMOUNT RECOVERY SYSTEM Had bought 6 medical bills that are over 7 years old THEY WERE NOT MINE ( I HAD TO PUT FRAUD PROTECTION ON MY ACCOUNT ) and they were removed from all 3 of my credit Bureau 's back in 2019 it took me several yrs to get them removed because they were never mine in the 1st place at all ... They were just put back on all 3 of my credit reports and even updated to being new as of last month I contacted all 3 Credit Bureau 's and XXXX XXXX did remove them but XXXX  and XXXX only removed 3 of them I asked them to remove them they said they are mine and they are new I tried to tell them no they are not mine and they were removed/ deleted off my report back in 2019 and just put back on in XXXX of this yr I fought for the last 7 yrs or more to get them off my credit report and they finally took them off because they wee not mine then PARAMOUNT RECOVERY SYSTEMS just bought them updated them and put them on my credit report as new XXXX and XXXX will not listen to me I TOLD THEM GO BACK AND LOOK THE WERE REMOVED HONESTLY and I have been trying to get them removed again for the 2nd time, I was told once they are removed or deleted, they can not be put back on But they are back on and I worked so so hard over several yrs to get them removed they came back on again PLEASE I BEGG OF YOU CAN YOU PLEASE HELP ME AGAIN TO GET THESE REMOVED THEY ARE FROM XXXX LOOK AT MY REPORT I PAY ALL MY BILLS ON TIME THANK YOU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
After observing fraudulent charges to my Bank of America checking account, I promptly called Bank of America to report this on XX/XX/XXXX. The total of fraudlulent charges were {$340.00}. I was referred to Bank of America Claims/Disputes Department at XXXX which I called immediately and reported the aforementioned details. A Bank of America representative informed me that they would investigate the charges, a investigator would be contacting me via mail, and the claim would be processed within 30-60 days. Since XX/XX/XXXX I have made numerous calls to the Bank of America Disputes Department to check on the status of my refund. With each call I was continually told that an investigator would be calling or sending me a letter on the status. I never received a phone call or letter on the status of my claim from a Bank of America investigator. Fraudulent electronic charges were withdrawn from my checking account with Bank of America in XXXX, Texas between XX/XX/XXXX thru XX/XX/XXXX. I did not make any of these online charges nor authorize someone to act on my own behalf. The totality of the fraudulent and dubious charges in the amount of {$340.00} to my account came from XXXX XXXX, XXXX, XXXX, and XXXX. These types of online transactions to my account clearly should have alerted as Red Flag indicators to Bank of America. As my bank spending reveals, I have never had any history of making any online purchases or international purchases with bank accounts. I have made several requests both verbally and in writing that these unauthorized and fraudulent withdraws from my account in the amount of {$340.00} be refunded. Additionally, I filed a police report regarding these fraudulent withdraws from my account with the XXXX County Sheriffs Office in XXXX, Texas. 
Today, XX/XX/XXXX, I received a " blanket '' letter that Bank of America is denying the fraud claim. The Bank of America letter had no assigned name of the sender. I have not been provided the name of the investigator who processed this claim. Too, I called Bank of America to request a copy of the investigator/claims report for this denied this claim and I was denied my legal right to that documentation. 
Again, these unauthorized online withdraws to my account from these foreign entities were not authoirzed by me and I am requesting a full refund of all highlighted fraudulent charges totaling {$340.00}. 
Bank of America was grossly neglegent and void of implementing standard security alerts to my account and Bank of America undoubtedly failed to investigate with dilegence to justly resolve this claim.

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 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
The company disconnected their TV services and continued charging me monthly charges even though I had already returned their equipments and did not have any contract with them. I tried calling them, but my cry fell on deff ears as they didn't want to hear anything from me. They are also very rude and non professional as they kept hugging my calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: FL

Complaint narrative:
My problem is that XXXX, XXXX and Experian have not comply with law and have not respond to any of my disputes. Its been over 30 days, literally months and no response! I need you guys ( CFPB ) to step in and take actions.

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 2021-04-06 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: Portfolio Recovery Associates, LLC
State: DC

Complaint narrative:
This is a follow-up to a complaint made on XX/XX/XXXX concerning XXXX XXXX, XXXX XXXX, Portfolio Recovery Associates, XXXX, and XXXX XXXX. I provided documents showing that I had a credit account with XXXX XXXX and another account with XXXX that was used to shield my bank accounts and/or other credit cards. Neither XXXX account involved a physical credit card ever. A credit card was never issued to me. XXXX XXXX wrote to advise me on XX/XX/XXXX, that it would become the owner of my XXXX XXXX account as of XX/XX/XXXX. I was unconcerned about that action because I had paid my XXXX XXXX account in full as of XX/XX/XXXX and did not intend to use it for anything more. I started getting billed in XX/XX/XXXX for XXXX rides that I had not charged. XXXX always served as a pass-through agent to retrieve funds from my bank account to pay any vendor. XXXX XXXX did not provide records of those transactions done before XX/XX/XXXX and chose to address both accounts as if they were singular. XXXX needs to address how the accounts became morphed into a single account. XXXX XXXX responded to my complaint by providing information to my XXXX XXXX account # XXXX. My complaint is about XXXX account number XXXX. XXXX attached copies of billings to the XXXX account, which was used for credit and was paid in total XX/XX/XXXX. However, as I complained before, the account ending XXXX was not a credit account and the funds came directly from my bank. XXXX did not clarify why they sent a letter to me on XX/XX/XXXX, stating the XXXX XXXX account would be funded by them, instead of XXXX XXXX, as of XX/XX/XXXX. Portfolio Recovery Associates claim to have bought the XXXX account, but XXXX XXXX claimed to have sold account # XXXX. There were two accounts : one was credit and one was a transfer agency account that was paid by my bank through XXXX. XXXX XXXX  explanation is woefully inadequate and needs further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
This is a follow-up to a complaint made on XX/XX/XXXX concerning PayPal Credit, XXXX XXXX, XXXX XXXX XXXX, XXXX, and Synchrony Bank. I provided documents showing that I had a credit account with PayPal Credit and another account with XXXX that was used to shield my bank accounts and/or other credit cards. Neither XXXX account involved a physical credit card ever. A credit card was never issued to me. Synchrony Bank wrote to advise me on XX/XX/XXXX, that it would become the owner of my PayPal Credit account as of XX/XX/XXXX. I was unconcerned about that action because I had paid my PayPal Credit account in full as of XX/XX/XXXX and did not intend to use it for anything more. I started getting billed in XX/XX/XXXX for XXXX rides that I had not charged. XXXX always served as a pass-through agent to retrieve funds from my bank account to pay any vendor. Synchrony Bank did not provide records of those transactions done before XX/XX/XXXX and chose to address both accounts as if they were singular. XXXX needs to address how the accounts became morphed into a single account. Synchrony Bank responded to my complaint by providing information to my PayPal Credit account # XXXX. My complaint is about XXXX account number XXXX. XXXX attached copies of billings to the XXXX account, which was used for credit and was paid in total XX/XX/XXXX. However, as I complained before, the account ending XXXX was not a credit account and the funds came directly from my bank. XXXX did not clarify why they sent a letter to me on XX/XX/XXXX, stating the PayPal Credit account would be funded by them, instead of XXXX Bank, as of XX/XX/XXXX. XXXX XXXX XXXX claim to have bought the XXXX account, but Synchrony Bank claimed to have sold account # XXXX. There were two accounts : one was credit and one was a transfer agency account that was paid by my bank through XXXX. XXXX 's explanation is woefully inadequate and needs further investigation.

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