vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently sent a dispute on XX/XX/XXXX for a charge off / collection account from XXXX showing on my credit report & an additional XXXX account with 1 30 day late payment reporting. 

As a result of this dispute, 2 positive lines that were not disputed has been removed. Was my investigation properly done? 
I am showing all accounts from XXXX have the same account number, but different histories. 

The accounts that were deleted and not disputed by me were a {$1000.00} unsecured loan opened XX/XX/XXXX, & another {$1200.00} unsecured loan opened XX/XX/XXXX. 
The actual accounts disputed were a {$1200.00} unsecured loan opened XX/XX/XXXX & {$500.00} account ( they arent even reporting what type of account, ) opened XX/XX/XXXX. 
All of these accounts share the account number XXXX. It is clear the the investigation done by the CRAs and XXXX was not done properly. 

How can something like this happen? I directly disputed negative information I believe is inaccurate, and my positive lines were deleted as a result. These positive lines were accounts that were not even included in my dispute letter. This investigation was clearly not done properly. 

In addition, I am showing said negative accounts are showing as " Account Not Disputed '' based on your most recent reporting as a credit bureau despite my previous attempt on XX/XX/XXXX to verify. 

This is this a MAJOR violation in reporting according to the FCRA and consumer rights of accurate reporting to my credit report. 
As a result of the negligence of your investigation not being done properly & the proper attempt I have made to ensure my information is being accurately reported, please delete these inaccurate negative accounts immediately as you have violated my rights & the Fair Credit Reporting Act.

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 2023-08-24 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: PA

Complaint narrative:
I recently look at my credit report and I noticed Inaccurate Information on my credit profile.

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 2023-08-24 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: IN

Complaint narrative:
I pulled my credit report for experian on XX/XX/23 and noticed inaccurate information. I got no response from them within the 30-day window, Because of that I sent them another dispute on XX/XX/23 letter telling them they must remove the account and also included inaccurate personal information that needed to be removed. Instead of investigating, I got a letter saying that it appeared that the dispute letter came from someone else and that I had to call them to dispute, which I know isn't the law. I sent ANOTHER letter on XX/XX/23 saying that the dispute was, in fact from me, and that they were trying to waste time. Two weeks later, I got ANOTHER LETTER STALLING THE PROCESS. I am giving them one more chance via CFPB to make this right before I file a complaint with the FTC and XXXX ; and if that doesn't work, I have already started looking at consumer attorneys that work on a contingency.

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 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Newport Intermediate Inc.
State: CA

Complaint narrative:
The card was sent to me by XXXX as a refund after closing my account ( roughly {$82.00} ). When I received the card I found that it had already been fraudulently used and only had a XXXX balance left on it. After repeated attempts to contact the company listed on the card by website or phone ( very difficult to contact by either method ), I finally talked with a person. They sent me a complaint /fraud form via email and also sent me a new card with XXXX balance telling me it would be refilled upon the completion of the investigation. I filled out the forms and mailed it to them by XXXX. After around 40 day I called and again finally was able to speak with someone and I was told they never received my mailing? I once again filled out the forms and mailed the forms to them. I called after a few weeks to verify they received them this time. I was told that they had not received the forms! I waited until today and tried to contact them again and all I got was an extensive music hold with no contact. Their website would not connect. I feel that this has become quite a scam! This started in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: TX

Complaint narrative:
I recently sent a dispute on XX/XX/XXXX for a charge off / collection account from XXXX showing on my credit report & an additional XXXX account with 1 30 day late payment reporting.

As a result of this dispute, 2 positive lines that were not disputed has been removed. Was my investigation properly done? 
I am showing all accounts from XXXX have the same account number, but different histories. 

The accounts that were deleted and not disputed by me were a {$1000.00} unsecured loan opened XX/XX/XXXX, & another {$1200.00} unsecured loan opened XX/XX/XXXX. 
The actual accounts disputed were a {$1200.00} unsecured loan opened XX/XX/XXXX & {$500.00} account ( they arent even reporting what type of account, ) opened XX/XX/XXXX. 
All of these accounts share the account number XXXX. It is clear the the investigation done by the CRAs and XXXX was not done properly. 

How can something like this happen? I directly disputed negative information I believe is inaccurate, and my positive lines were deleted as a result. These positive lines were accounts that were not even included in my dispute letter. This investigation was clearly not done properly. 

In addition, I am showing said negative accounts are showing as " Account Not Disputed '' based on your most recent reporting as a credit bureau despite my previous attempt on XX/XX/XXXX to verify. 

This is this a MAJOR violation in reporting according to the FCRA and consumer rights of accurate reporting to my credit report. 
As a result of the negligence of your investigation not being done properly & the proper attempt I have made to ensure my information is being accurately reported, please delete these inaccurate negative accounts immediately as you have violated my rights & the Fair Credit Reporting Act.

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 2023-08-24 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: TX

Complaint narrative:
I recently sent a dispute on XX/XX/XXXX for a charge off / collection account from XXXX showing on my credit report & an additional XXXX account with 1 30 day late payment reporting.

As a result of this dispute, 2 positive lines that were not disputed has been removed. Was my investigation properly done? 
I am showing all accounts from XXXX have the same account number, but different histories. 

The accounts that were deleted and not disputed by me were a {$1000.00} unsecured loan opened XX/XX/XXXX, & another {$1200.00} unsecured loan opened XX/XX/XXXX. 
The actual accounts disputed were a {$1200.00} unsecured loan opened XX/XX/XXXX & {$500.00} account ( they arent even reporting what type of account, ) opened XX/XX/XXXX. 
All of these accounts share the account number XXXX. It is clear the the investigation done by the CRAs and XXXX was not done properly. 

How can something like this happen? I directly disputed negative information I believe is inaccurate, and my positive lines were deleted as a result. These positive lines were accounts that were not even included in my dispute letter. This investigation was clearly not done properly. 

In addition, I am showing said negative accounts are showing as " Account Not Disputed '' based on your most recent reporting as a credit bureau despite my previous attempt on XX/XX/XXXX to verify. 

This is this a MAJOR violation in reporting according to the FCRA and consumer rights of accurate reporting to my credit report. 
As a result of the negligence of your investigation not being done properly & the proper attempt I have made to ensure my information is being accurately reported, please delete these inaccurate negative accounts immediately as you have violated my rights & the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I hired XXXX XXXX XXXX to consolidate my credit card debt. They did not pay any of it off and transferred it to XXXX XXXX XXXX, who transferred it to XXXX XXXX. I learned that none of these groups actually paid anything off when LVNV Funding LLC and XXXX XXXX XXXX attempted to collect {$1600.00} and {$600.00}, respectively. 

There are still five more credit debts unpaid, so we expect more collectors to come. The law groups have not shown what they did with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX and XX/XX/2023, I noticed two charges on my TD bank credit card in the amount of {$310.00} each for XXXX XXXX tickets. I immediately called the bank because the charges were still " pending '' and I was told until they posted there was nothing that could be done about it. Once the charges posted, I called back and disputed the purchases again and they gave me a provisional credit for the {$620.00} that was charged to my account. Next month, I was checking my account and noticed the charges had re appeared. I called the bank back to find out if my new credit card was also hacked, and they explained to me that they took away the provisional credit because the purchase was made using my card number and the zip code and CVV number which meant it wasn't fraud. I have since appealed the case 3 times, all being denied and I don't know what else to do. I have done everything that the bank has asked including fling a police report and bringing them a copy of it. I didn't make these purchases and I called and let the bank know they were fraudulent before they were even posted. The bank is now insisting I contact the FBI and fill out a report with them. I currently have spent over 5 hours on the phone and had to take off of work for 2 days in regard to this situation. I feel scammed by the credit card company because I let them know right away that these purchases weren't made by me and they did nothing about it and now they say there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: AZ

Complaint narrative:
I opened a PayPal account to take advantage of a gas app that would pay me for getting gas. I decided not to use it, but somehow have {$10.00} in the account and am not able to close my account until I take the money. I requested a check be mailed, but they won't send to a po box . I updated my address to a physical address, but am still being asked for my bank account information prior to them mailing a check to my physical address and allowing me to close the account. This is unreasonable. 

Additionally, when I made an online purchase using my credit card, I got an email from PayPal ( attached with private info blacked out ) with information on my purchase including the vendor, the amount I paid, they type of credit card used and the last 4 digits of the credit card. This is VERY scary to me as it is a serious invasion of my privacy and they should NOT have information on purchases I make online that do NOT involve PayPal. IS YOUR AGENCY AWARE OF THIS PRACTICE?

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: TX

Complaint narrative:
I have been disputing a collection account on my credit report that I do not believe should be on there as it was wrongfully sent to collections. I have been asking the collector via the credit bureaus to validate the collection so I know exactly what is owed and what it is for. I have never gotten any correspondence other than the collector saying that the amount is owed but not what it is for. The account is designated as open and then closed. Has been deleted and then reinserted with no correspondence as to why. I am not being update other than by my credit monitoring.

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 2023-08-24 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: DISCOVER BANK
State: IN

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX is not my account and I am a victim of identity theft and fraud. Please notify all credit bureaus and remove from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: MO

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-24 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 — Overcharged for something you did purchase with the card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I was charged {$1700.00} on my Fidelity Visa card from Elan Financial for an install of carpet on XXXX. When they installed the carpet, my home was damaged. I disputed this with my credit card company. I resolved this myself with XXXX XXXX. They were going to credit me the {$1700.00} and charge me {$1400.00} the price I agreed to pay. When I notified my credit card company and told them I worked it out they just added back the {$1700.00} and charged me the {$1400.00} also. When I called them they told me just wait for the credit. It never came. I paid the new account charge ( that was correct ) and every other charge I made. I called and called they would not dispute the {$1700.00} again, they told me XXXX was lying to me. I should not be liable for a duplicate charge. I have the copy of on XXXX of the form XXXX sent to XXXX payments attn : chargeback department accepting liability for the {$1700.00}. XXXX never received XXXX payments, I never received a credit. They have now sent this plus rediculous fees and late charges to collections! In XXXX of last year I drove to XXXX XXXX and did a three way call with my Visa customer service, the bookkeeper at XXXX and XXXX XXXX XXXX processor. They could not explain why XXXX did not receive payment or why I did not get the 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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, Please see attached and below - I am unable to log into my account online. I have tried calling your phone number and you make it impossible to reach anyone with all your prompts that do not work.

1 ) I want to be able to log into my Equifax account online at www.equifax.com 2 ) I want my Equifax account to be a free account.

3 ) I want full access to my account and be able to freeze or unfreeze it as I desire. 

As of right now - I am not able to login online. Please resolve as soon as possible. 

Attached are my drivers license, social security card, and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: HEARTLAND PAYMENT SYSTEMS INC
State: MI

Complaint narrative:
Inaccurate credit information

Company response to consumer: Closed with explanation