vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 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: FL

Complaint narrative:
Hello, I just figured out recently that I have item in my credit report that is completely not mine. I believe I become a victim of identity theft someone took my personal information and filed this account. I got crazy to see it suddenly appeared. Look I want you to help me because its not fair and I am not connected to this transaction or charges or whatever! I am getting married soon and I need to have good score and good picture for family plans, thank you for understanding and I hope you will help me and remove this item as soon as possible. 
XXXX In case of questions please contact me directly )

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 2021-03-08 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: FL

Complaint narrative:
Hello, I just figured out recently that I have item in my credit report that is completely not mine. I believe I become a victim of identity theft someone took my personal information and filed this account. I got crazy to see it suddenly appeared. Look I want you to help me because its not fair and I am not connected to this transaction or charges or whatever! I am getting married soon and I need to have good score and good picture for family plans, thank you for understanding and I hope you will help me and remove this item as soon as possible. 
XXXX  In case of questions please contact me directly )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Yes I am always very careful with my credit at all times. I works very hard to pay my bills especially threw these hard times with the coronavirus. I lost XXXX XXXX that I had and I have been very devastated. But what money I was able to make I decided it was a good time to try to get rid of some of my debts the best way I can. So I was able to pay my car off and one finance company so far. None of this have been easy for me. I was so hurt when I saw my credit scores have drop 19 points. I work hard to always keep a good credit score and that not fair when you pay your debts down you end up getting penalized for it. I have tried calling the three credit bureaus and you could never get peoples who can make sense of whatever they be saying. I never miss payments on my accounts. But 19 points and as hard I have tried to keep my credit together. Also on some of my credit reports I saw about a 50 soft injuries on my reports that wasn't made by myself. That should be against the law anybody can call in about your credit or even try to get credit in your name. They be getting all of your personal information and I had to put freezes on my accounts. And that didn't seen to help much. I am wanting to pay more of my debts off and I am afraid my credit score going to drop so low. So what am I am suppose to do? That my personal information and I don't feel it sure be shared with peoples without my knowledge. This world is full of crooks and scam artists. Telemarketers everyday calls your house trying to scam peoples and they can't seen to be stop and the government can't seem to help much either. I have tried everything. I finally was able to buy me a small phone blocker at XXXX and it seem to be helping out a little. My creditors that I have paid off they said they so sorry to hear my score drop 19 points and that wasn't fair at all. They was willing to write me letters stating how well I paid on my accounts, but they can already see how well I pay my bells for themselves. So I want to know what I can do to get my credit scores back up without going back into debt? Please help this is very hurtful especially when you try so hard. This coronavirus have destroyed so many lives including mind. Thank you for your prompt attention to this matter.

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 2021-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
they failed to validate and delete the inaccurate information on my credit report after months of disputing the inaccurate 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 2021-03-08 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: OH

Complaint narrative:
XXXX  has collections that I disputed its been a significant amount of time exceeding 30 days that I have disputed these accounts I am asking for these accounts to be removed Confirmation # XXXX was submitted XXXX Confirmation # XXXX XXXX Confirmation # XXXX XXXX According to the fair credit reporting act a Bareau is required too complete there investigation within 30 days if they do not the negative item must get removed I am willing to take legal action if it is not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK
State: PA

Complaint narrative:
Freedom Debt RElief has taken over {$4000.00} from me - charged me over {$2000.00} in fees. They also kept changing my withdrawal dates without telling me causing NSF fees to post to my account and make me go negative. They were not clear on what I was getting into. I had to fight to get them to cancel my program ( asked for months ) and only then did I see the outrageous fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CA

Complaint narrative:
This is from ERC, which is trying to collect from an old XXXX account. I stopped service with them because I could NOT get any service in my new office whatsoever at the time. This was in 2011. This was 10 years ago! The person who called me about this debt told me that I still owed it, even though it was from 10 years ago. At this point, cell phone carriers don't even make you do a contract. I had to cancel this contract because I could not use the service. The who called me about this said the debt is not on my credit, but that I still owed. I don't see how this can be true? I want them to stop trying to collect from me. 
Basically, trying to collect on a debt that is over 7 years old does not seem legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I applied for a PPP loan on XXXX. The land was submitted to the SBA on XXXX. Over the course of three weeks I was unable to get anything other than ambiguous updates with no information whatsoever other than to just wait. On XXXX I was told a letter had been sent and that I needed to refer to the letter for any additional information. On XXXX I followed up with regard to the letter being sent with the details and was told I just need to review the letter which had yet to arrive. I followed up again on XXXX when the letter had still yet to arrive and was told that the letter had never been sent and that they were not able to complete the application. I asked to have the loan withdrawn to allow me to move forward with a more competent and communicative lender. I was told they could not contact the department to make the request but it would take a few days for them to submit. I explained dire straights my business is in and that I need to be able resubmit the loan during the window for small companies to make up for the time that has thus far been wasted. As of 3.8.2021 NFCU has still not demonstrated a willingness to withdraw the ultimately compromising my ability to move forward with a new lender. The lack of communication, lies, and deceptive practices our of the business banking side of NFCU and the unwillingness to withdraw the application are unfair and ultimately punitive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: TX

Complaint narrative:
Got letter from discove bank about opening account I did not XXXX. XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am not filing a complaint against the merchant, I am filing a complaint against Capital One Bank ; Over a short period, I have paid the merchant a total of {$1100.00} to repair the engine in my vehicle, on XXXXthe merchant recieved 2 payments for {$120.00} and {$20.00}, XX/XX/2021 {$29.00} and {$42.00}, XX/XX/2021 {$400.00}, XX/XX/2021 {$300.00} and {$25.00} XX/XX/2021 {$35.00}, XX/XX/2021 {$120.00} and the last payment on XX/XX/2021 for {$45.00}. Upon getting my car back, it was worst than before ; Ive discovered my electrical system was all screwed up ; when Ive questioned the mechanic about repairs he stated the car already had electrical issues, but Ive. Ever experienced electrical issues prior to bringing him my car, Ive came to the conclusion the mechanic tampering with system is a money making tactic he use to get over his customers, especially with women. He wanted more money to repair electrical issues, but Ive declined additional service, and told him I will take car to commercialized establishment and have car inspected and that all I wanted was a refund for devices not rendered because my engine was still smoking in addition to electrical issues, he stated he will issue refund for trouble, but I have never redo it as of yet, by the time Ive attempted to request refund on XXXX XXXX he deactivated account, Ive attempted to contact him via phone/text but his number was disconnected, on XX/XX/2021 Ive called my bank ( Capital One Bank ) to explain situation and dispute transactions, the customer service agent that my refund would be issued within 10days after review ; shortly after Ive recieved and email stating they were working on my claim for the amount of of {$1300.00} which were a little more than what I have reported claim # XXXX they stated they will contact me shortly after review ; Almost a whole month has passed and still I have not heard back about my claim. On XX/XX/2021 Ive called Capiital One Bank to check on status of claim and I was told that my claim was denied due to not being able to contact merchant, Ive asked the agent, that could have been communicated through email, the. He apologize for inconvenience. I am very upset and frustrated with how the matter has been handled, due to fraudulent acts of the merchant and incompetence of Capiital One Bank ; I have lost over {$1000.00}, I wish to have my account credited for the inconvenience, I have been a loyal banker with Capiital one Bank for over 3 years now and they have not resolved my issue, I am very turned off from this bank, I am not pleased with the service ... .all I want is my money reimbursed back into my checking account, thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I changed my Unemployment direct deposit information to direct deposit my unemployment benefits to my PayPal account. This was the first time I had my unemployment benefits get deposited to PayPal. I had my unemployment benefits deposited into my PayPal account on XX/XX/XXXX. The direct deposit was in the amount of {$230.00}. I opened my PayPal account in XXXX and never used my account until I had my unemployment benefits direct deposited into the account. As soon as I received the direct deposit, PayPal put a limitation on my account. Which prevents me from being able to withdraw the {$230.00}. The reason for the limitation they said, was because they had suspicion my account was being used against their policy. Which is not the case since I did not complete any transactions with the account up until I received the direct deposit. So they requested me to send them a picture of my drivers license which my name and address matches my account. They also wanted a bank statement for the debit card that was attached to my PayPal account. But I was unable to supply the bank statement since i added that card back when I opened my PayPal account in XXXX, and the account has been closed for a couple years now. So I told them they can just delete the card from my PayPal account to help resolve the issue. After I sent them that information, PayPal responded stating they put a permanent limitation on my account and I wont be able to access the {$230.00} that is in my account, for 180 days. They said after the 180 days, they will email me, letting me know how I can go about withdrawing the funds in my account. I am in desperate need of my funds to help feed my family, and every time I try and call them and try to resolve this issue and have them issue me a check for my money in my account, they say there is nothing they can do and I have to wait 180 days and wont tell me exactly why my account is permanently limited. I am willing to provide whatever documentation they need to resolve this issue and withdraw my funds. They should not just be allowed to prevent me from accessing my money for absolutely no reason. And why should I have to wait 180 days to receive my money? I have tried everything to work with PayPal to resolve this issue for weeks, and they are not willing to budge at all or release my funds until after the 180 days. I just want to be able to withdraw my funds, and they have no right to prevent me from accessing my own money. I read online when researching this issue, and they do this to a lot of people, which is not okay, especially during a pandemic when people are in desperate need of money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Moss Law Firm, P.C.
State: TX

Complaint narrative:
Debt wasn't found correct lawsuit was dropped. XXXX filed a suit from mOss Law firm regarding a a XXXX debt and then dropped the lawsuit after motion for discovery in 2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: PA

Complaint narrative:
Hello, My name is XXXX XXXX. I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.

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 2021-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They failed to validate and delete inaccurate information from my credit report after months of me Disputing the inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Phone : ( XXXX ) XXXX XXXXXXXX XXXX  is fraudulently reporting a 20 plus year old account as if it is new. 

I disputed this account with XXXX XXXX  in XXXX and it is not valid. They sent it to collection in XXXX. I have had no communication with them since XXXX. In their response to my last dispute with Experian they falsely claimed that the account was current in XXXX at which point there was a late payment. Again this is a blatant lie I have had no communication with them since XXXX. In fact this item naturally expired from my Experian report in XXXX or XXXX to the best of my recollection. 

I have made repeated calls to Experian and they refuse to correct this. They are accepting the lie told to them by XXXXXXXX XXXX and telling me that I HAVE TO PROVIDE PROOF. As I said my last communication with XXXXXXXX XXXX was more than 25 year ago! Obviously I don't have those records any longer. 

Also : In my last dispute of Experian to the CFPB ( XXXX ) Experian replied thusly : " This complaint meets the criteria of a credit repair organization ; it either has the same email address for multiple consumers, the same naming convention or similar narrative in the attachments or it has the same and/or similar narrative as 20 plus other complaints within a 45 day period. '' Here Experian is deliberately misleading the CFPB. I am not a credit repair organization. I am XXXX XXXX XXXX, an individual consumer. I am using a single email address, XXXX. This is my personal email address. As far as their claim of a similar narrative, well that seems like an admission of guilt to me. Perhaps they should start obeying the law and ignoring similar complaints.

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 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: AR

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX DISCOVER FINANCIAL SERVI XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX : Account number XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Robert J. Colclough, III
State: NY

Complaint narrative:
In XXXX  XXXX XXXX and Allied Collection of California report that l owe {$1100.00} for rent deposit and the same year they cashed a check of $ 1,166.after the amount was paid, for repair they report to the credit bureau that l owe {$2100.00} and the amount continuing go up and right now the debts is in collection for {$5200.00}. 
I dont know what is this debts is and they refuse to tell us.What is this debts. 
I want that Allied Collection of California be investigate

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