vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 I disputed an account reported by XXXX XXXX XXXX in the file Equifax maintains under my Social Security number. 
On XX/XX/XXXX they responded showing the item was reporting. Again, on XX/XX/XXXX they stated it was verified. Then, I was informed on XX/XX/2021 that the item was not reporting on my credit report and they sent a letter showing it was actually deleted ( See attachment for documentation ). 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), Equifax was required to notify me of the reinsertion in writing within 5 business days and they DID NOT. I wrote them a letter on XX/XX/2021 informing them of the above information and they responded on XX/XX/2021 just saying the information was validated. The company reporting this information agreed via a better business bureau claim, to submit a request to have this account removed and actually did so, which is why it was deleted initially. Equifax is in violation of FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) and I demand this account be deleted from my equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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:
PayPal closed my account for no reason and will not help me with getting it back up and going. 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 me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have requested for Method of Verification from Experian and I have not yet received proper documentation verifying or validating the debt/collections that are listed on 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 2021-06-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2020, Cash App, an online bank, literally stole XXXX dollars from my account and forwarded it to an unknown destination. 
They claim I authorized them to send the XXXX dollars to my bank account at XXXX XXXX . That is false. My bank account at XXXX XXXX had been closed in XXXX of XXXX and did not exist. I never told them to send my money anywhere and they refuse to provide any sort of authorization from me telling them to do so. This so called investigation by cash app had been going on for months when they informed me they terminated the investigation because I had authorized the transfer. I DID NOT KNOW ANYTHING ABOUT THIS TRANSFER AND HAD NO XXXX XXXX ACCOUNT AT THAT TIME. They literally stole {$800.00} dollars from my account and will not give it back. I have communicated with 10 different members of cash app and all would say they would look into it but nothing was done. The case number of that supposed investigation is : XXXX. 
Please help me get my money back. Thank you. This corrupt bank took advantage of a XXXX senior citizen and they need to be held accountable for their dishonest actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Blitt and Gaines p.c is saying I owe this amount to XXXX MasterCard. I asked for proof that I owed it on XX/XX/2021. On XX/XX/2021 they sent a letter stating.we expect to complete our review and any research my XX/XX/2021. On XX/XX/2021 they sent a letter stating they need more time for research. And since then I have received letters every month stating they need more time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: MO

Complaint narrative:
On XX/XX/2021 Experian sent me a email stating that my credit score and report had changes. I logged in and it said my Debt was {$1700.00} causing my score to drop 36 points and shows that my credit utilization went from 13 % to 45 % I called them and advised them that the information was inaccurate and I only owed {$1100.00}. I asked who is reporting the extra inaccurate {$600.00}, they said they can not tell me that. I told them they need to fix it and was told it was not their problem and I needed to fix it. They are messing with my credit score and my credit by reporting false information.

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 2021-06-27 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: TX

Complaint narrative:
I have been disputing this since XX/XX/2021 and XX/XX/2021 is the last letter I wrote and I still have not received any letters back from any of the bureaus. It has been well over 60 days with nothing. So they need to remove from my credit file per the FCRA Attached is the last letters from XX/XX/2021 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 2021-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been disputing this since XX/XX/2021 and XX/XX/2021 is the last letter I wrote and I still have not received any letters back from any of the bureaus. It has been well over 60 days with nothing. So they need to remove from my credit file per the FCRA Attached is the last letters from XX/XX/2021 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 non-monetary relief
Consumer complaint received 2021-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: CA

Complaint narrative:
improper transfer of loan. Not all payments wired over. When wire was returned to service Mac service Mac did not return funds to XXXX XXXX. XXXX XXXX is now showing me 30 days behind and charging me late fees. 

The loan was transferred from service Mac to XXXX XXXX on XX/XX/2020. I have made all of my payments since my loan was opened. When service Mac transfer the loan they wired the payments to XXXX XXXX XXXX XXXX  says they didnt receive one of the payments. I have been working with them since XXXX trying to get this all squared away Ive provided them everything theyve asked of me and they are still showing me 30 days behind not crediting the account appropriately and reporting me to the credit agencies also accumulating late fees. 

This is now affecting my refinance process. I have done everything I Possibly can since XXXX to get this squared away. Again i am doing all the legwork for both service Mac and XXXX XXXX. And have provided them every inch of paperwork I possibly can showing all payments have cleared. This is between them and it is now affecting me. Ive open multiple tickets with each company and always get a we are looking into this where we cant help you. 

Neither company has fixed this and it is now impacting my life tremendously as I am unable to refinance because of them. I need this squared away immediately both companies have received all of the necessary back up information from me and they should be doing the lake work themselves since they completed the transfer of Loan improperly. Again I have opened multiple cases with both companies provided them all the information needed and no one is correcting anything or responding to me and when they do they just tell me either still looking into it its absolutely ridiculous at this point we are seven months in. 


I have done everything I needed to do paying all of my mortgage payments on time and I need this corrected immediately but I need help because they are not doing anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I, XXXX XXXX received a call from XXXX XXXX XXXX XXXX on XX/XX/20 to inform me that I owe money to a Pay Pal Credit account. I inform this company that I XXXX XXXX DID NOT open any account and I don't know what pay pal is. Nor do have any idea who has done this. The account number is XXXX in need of a payment of {$3700.00}. I never received and pre-paid or pay pal card I don't Know anything about this!

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 2021-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I discovered someone stole my identity and used it to take out a loan. In addition, they established accounts in my name at XXXX XXXX and XXXX XXXX XXXX XXXX. On XX/XX/XXXX, they secured a {$19000.00} loan in my name with SoFi Lending Corp and linked it to the XXXX XXXX bank accounts they established. Working with SoFi, XXXX XXXX, and XXXX XXXX XXXX, I establish the loan and the accounts were not mine. The bank accounts have been closed. On XX/XX/XXXX, SoFi acknowledge the loan was not mine [ d ] uring our investigation we found that fraud had been committed on the account and we determined we the reported to the credit reporting agency was inaccurate. They did not say the loan was not mine and that I was not responsible for paying it back. 

While researching identity theft remedies and protections, I found the CFPB fact sheet that indicated I could request a copy of all the documentation the thief used to establish the loan. On XX/XX/XXXX, I sent a letter to SoFi requesting a copy of those documents. They have neither acknowledged my request nor responded to it. Ninety days should be more than sufficient to do so. After examining the documents, I intended to ask for a more definitive letter, indicating I am not responsible for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
Debt Collector : Common Wealth Finance XXXX ( XXXX ) XXXX Is attempting to list an old account as open and new. This same account has been disputed multiple times on my credit report and removed multiple times for inaccurate reporting on the age of the account with various other debt collection companies. As well as old enough to have fallen off without dispute. 
This company has failed to list any pertinent information about the original account. It has not listed the age of the account, it has not listed the date of original delinquency, and has not notified me of the debt. This company is getting away with reporting this account inaccurate and unfairly. This account is not new and it is not open. It is to old to be on my credit report. 
These people have the ability to hurt anyones financial future and should be made responsible for the inappropriate way that they conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
So I really dont know where to start with this whole process but I would say for the better part of 10 years now I have been dealing with debt collection agencies contacting myself and my family for debt that I have not accrued. I know a few years ago I call Trans Union and I called XXXX and I went through a process where I had to identify myself, and prove that I am not the person that they are looking for. I know when I get phone calls or debt collection in the mail they are asking for somebody with a very similar name and through the process I have found out that his Social Security number is two digit off but my TransUnion credit keeps getting hit for it, where as my XXXX is not affected ever. Im just at a loss because I have fought this before and it wasnt shortly after where the debt collections came back so I want to just know if theres something else I can do on my part before I try to call Trans Union again and deflect these charges but I have a feeling its gon na come back unless I do something proactively

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 2021-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been disputing this since XX/XX/2021 and XX/XX/2021 is the last letter I wrote and I still have not received any letters back from any of the bureaus. It has been well over 60 days with nothing. So they need to remove from my credit file per the FCRA Attached is the last letters from XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: MS

Complaint narrative:
I mailed a letter to Equifax on XX/XX/2021 and XXXX on XX/XX/2021 letting these companies know that there are two accounts showing up on my credit profile that does not belong to me and requested that these two accounts be block and removed. I also contacted the creditors furnishing these account on XX/XX/2021 and requested proof of ownership and have yet to receive any documentation. Despite me providing appropriate proof of the identity, copy of an identity theft report, and a statement identifying the information, these companies still did not remove and block the XXXX account # XXXX account and XXXX XXXX XXXX account # XXXX from my file as regulated by law. 

According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of 15 U.S.C. 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I send a dispute letter to Experian explaining that the personal information they are reporting is erroneous including the name XXXX XXXX and the address XXXX XXXX XXXX XXXX XXXX, NM XXXX. They are refusing to delete this erroneous personal information even when I sent them a copy of my social security card, My personal ID card and a copy of my insurance statement with my name XXXX XXXX on it. Please CFPB help me with this issue because I try multiple times to dispute and they respond same.

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 2021-06-27 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: ID Analytics, Inc.
State: MN

Complaint narrative:
I am a victim of identity theft and theres adverse and negative accounts and information listed on my Sage Stream Consumer Report which is all fraudulent accounts and information thats not mine and dont belong to me. I should have a clean and positive Sage Stream Consumer Report because I have been XXXX  for the last 17 years. Review attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America mess up my personal information with my sister, we are two different people with different SSN and address, but Bank of America always treat us as one person, they reported her credit card account into my credit report for many years. Either me or my sister has previously contacted Bank of America couple times to correct it in the past years, over the phone, the employee of Bank of America had promised to correct the information, however the bank never fixed it. In my recent home purchase this month, my lender charged my sister s credit card balance of {$350.00} to my loan CD even though I told them it doesnt belong to me, escrow officer sent me the check for this amount to pay to Bank of America. I still have the check on hand, dont know what the do with it, please help to solve 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 non-monetary relief
Consumer complaint received 2021-06-27 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/XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To date, well over 30 days later I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes, I do not like that. Section 611 ( a ), plainly states that a failure to investigate these item within 30 days gives a reason to immediately remove those item from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information has also been impacted by the Equifax data breach and may have been in possession of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: Certegy Holdings, LLC
State: MN

Complaint narrative:
I am a victim of identity theft. Theres negative and adverse information listed on my Certegy Consumer Report and the information is fraudulent, not my information and dont belong to me. I have attached a document for proof that I was XXXX for 17 years, so I shouldnt have any adverse or negative accounts or information listed on my Certegy Consumer Report. I should have a clean and positive consumer 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 2021-06-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
EOS is suggesting I owe student debt. The debt is from a private loan from XXXX XXXX. This loan dates back to XXXX. I have not been a student in college since XXXX. When I attended college, it was a XXXX XXXX and I paid out of pocket. I explained to the customer service representative that these XXXX accounts are fraud and I was a victim of identity theft as early as XXXX. Under the FCRA & Statute of Limitations, these fraudulent accounts should have been removed from record years ago. Instead, EOS bought the fraudulent accounts and are harassing me in an effort to collect on bogus accounts. In explaining the situation to the customer service representative, I was clear that my police reports and FTC reports would be strong enough to show how my ID was stolen and personal information compromised. EOS is wrong on so many levels with this matter. I will be speaking to a lawyer to have them outline my rights and recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Requesting debt validation ( 15 USC 1692g ) for XXXX XXXX Ive sent 3 affidavit request for physical proof. Theyve gone unanswered.

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