vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-09 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: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Risecredit, LLC
State: SC

Complaint narrative:
RISE CREDIT OF SOUTH CAROLINA {$1500.00} has been attempting to collect a debt that is NOT MINES I have not received supporting documentation proving this debt is mines, and they still keep attempting to report said debt to my credit, causing more damage and they keep attempting tor collection on debt that has extends pass the legal status of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please be advised that this is my second complaint with the CFPB regarding TRANSUNION. TRANSUNION has made a mockery of the CFPB and the federal law while violating my rights. TRANSUNION has caused me tremendous stress while damaging my reputation, violating my privacy, and committing fraud. 

On XX/XX/2021, TRANSUNION received my written notification stating that they have violated my consumer rights. This was sent via EXPRESS MAIL USPS under tracking # XXXX in which TRANSUNION sign the return receipt tracking # XXXX. TRANSUNION has failed to comply with the letters that were sent to them. 

On XX/XX/2021, I XXXX XXXX submitted a complaint with the CFPB under complaint # XXXX, complaint # XXXX, and complaint # XXXX. 

On XX/XX/2021 TRANSUNION responded with the following statement : We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty 60 days from the date you submitted your request On XX/XX/2021, TRANSUNION closed the following CFPB complaints : complaint # XXXX, complaint # XXXX, and complaint # XXXX. 

Stating that This complaint lists someone the company does not recognize as their customer or their customers authorized representative which is FALSE. The complaint as well as the letter, ENFORCING my consumer rights, was submitted by me XXXX XXXX, the federally protected consumer. TRANSUNION has no right to make any ASSUMPTIONS. Assumptions are not facts. The fact is I XXXX XXXX submitted the complaint and included with the complaint identification. 

TRANSUNION has furnished a consumer report WITHOUT my written consent. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). I XXXX XXXX never gave TRANSUNION any written consent to report anything on my consumer report. No consent is identity theft. TRANSUNION has failed to comply with my written demand to IMMEDIATELY delete multiple accounts, addresses, and inquires listed on my consumer report. 

TRANSUNION has willfully failed to comply with federal law. Congress states ( According to 15 U.S. Code 1681 ( a ) ( 4 ) ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. TRANSUNION has FAILED to comply. TRANSUNION has over 205,000 complaints showing their complete disrespect to the consumer as well as Federal Law.

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 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
According to the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. So there should have no late payments in my credit report. I want to see new credit report that this is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: OH

Complaint narrative:
the Paypal company close my account for not reason and them will not help me with Getting it back up and going. Everytime when i try to take out my money From my account they just block me for avoid me can me spent my money. 
They just made all complicate. My account was already verified with all My personal information and i never made any mistake. I never had any Dispute or charge in my account. i just put money in my account for buy and send money to my family. so, Now they just close my account with all my money. I think this Company stole money from people, They never takes my calls or respond my message. They used to remove all conversation for avoid evidence. PayPal is not doing her job properly and that the reason i am File a report here. Paypal is violating the rights of people by closing Accounts to keep the money and so make your company grow with the Money that is stolen. 
My personal email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: AZ

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: CA

Complaint narrative:
I asked LVNV Funding LLC to give me proof of the debt that they were trying to collect. I sent them a debt validation letter back in XX/XX/XXXX. I got a response letter on XX/XX/XXXX from a company called Resurgent capital LLC. The letter says that they are looking in to my inquiry about the debt. Nothing happened. I resent another debt validation letter to Resurgent Capital LLC on XX/XX/XXXX. Again I got the same exact letter with the same description. the only thing changed was the date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit 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 2021-04-09 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: FL

Complaint narrative:
3 Rounds of dispute letters have gone to the credit bureaus - XXXX, Experian and XXXX  about the removal of the negative and false information on derogatory accounts being reported on my credit report but I DID NOT GET EVEN A SINGLE RESPONSE from them. These are the accounts I am talking about : XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number XXXX XXXX, XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX ( Original Creditor XXXX XXXX I Account Number : XXXX, XXXX XXXX  XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : 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 2021-04-09 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: NJ

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and XXXX  statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: CT

Complaint narrative:
I contacted all three credit bureaus about accounts that I saw that had errors being reported and that was over 30 days ago. I sent this letters via mail on XX/XX/2021. I don't feel that I am liable for this debt.

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 2021-04-09 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: CT

Complaint narrative:
I contacted all three credit bureaus about accounts that I saw that had errors being reported and that was over 30 days ago. I sent this letters via mail on XX/XX/2021. I don't feel that I am liable for this debt.

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 2021-04-09 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: CT

Complaint narrative:
I contacted all three credit bureaus about accounts that I saw that had errors being reported and that was over 30 days ago. I sent this letters via mail on XX/XX/2021. I don't feel that I am liable for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: CT

Complaint narrative:
I sent a letter to all three of the credit bureau on XX/XX/2021, and have not heard anything back from any of the three. Its been over 30 days which now make me feel as I am not liable for the debt and it need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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/21 I sent a letter regarding inaccurate and unknown things on my credit reports. To this day it has been 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my rights and disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 45-60 days due to covid gives a reason to immediately remove these items from my credit report it has been well over the required grace period so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the " EQUIFAX '' data breach and may have got into the hands of the wrong person my reports show social security numbers I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with

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 2021-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
XX/XX/2020 Collection company ( M & M Credit ) is saying I owe {$590.00}. I have disputed and explained this is debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX( {$45.00}, {$65.00}, {$45.00} )XX/XX/XXXX ( {$28.00} ) Capital one credit card I closed this credit card account back on XX/XX/XXXX because I filled a dispute against XXXX Airlines as they canceled my trip due to covid-19 travel restrictions, I filed a dispute and the basic cost of my Airline ticket has been credited back to my account, Capital one proceeded these charges ( onXX/XX/XXXX ) without investigation as well as they never sent me a mail letter to inform me, I found an email from them on XX/XX/XXXX showing that I have nonsense charges ( since I already got the dispute amount in full and this amount was an airline ticket plus extra seat fees ) Capital one charged me {$28.00} on the top of that as a past due charge, they just want me to pay moneyfor nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have tried unsuccessfully to have a re-aged collection removed from my report. I spoke to the original creditor ( XXXX XXXX ) who told me they sold it to a collection agency and then 9 months ago pulled it back and then just recently sold it to another company and it showed up again as a new collection, even though it is over 2 years delinquent. XXXX was not able to give me a copy of my last statement because my account has been closed for 2 years. I was recently denied a mortgage because of it being a new collection, plus it pulled down my score. I have disputed twice asking them to report it accurately. This is not a new collection and the dates should reflect that. In fact I dont understand why they are allowed to pull it back ( their words ) and then put it back on 9 months later as a new collection with new dates. Please help me because I can not even pay off this debt with the reporting info not resolved.

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 2021-04-09 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: DE

Complaint narrative:
This company is reporting false information and preventing me from moving into my place. They have on a screening that I was evicted but I never was evicted and I live in my place that they are reporting. Also they are reporting an andrews account that doesnt belong to me and since Im going to my lawyer because this is becoming overwhelming and it was removed and then re appeared. This is not my collection and for three years I have been fighting. This is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: Screening Reports Inc.
State: DE

Complaint narrative:
This company is reporting false information and preventing me from moving into my place. They have on a screening that I was evicted but I never was evicted and I live in my place that they are reporting. Also they are reporting an andrews account that doesnt belong to me and since Im going to my lawyer because this is becoming overwhelming and it was removed and then re appeared. This is not my collection and for three years I have been fighting. This is not.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-09 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Followed the instructions on annualcreditreport.com to secure my credit report from the three credit bureaus. 

XXXX and XXXX worked fine. 

Equifax have me a generic error : " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. '' It then requests an onerous amount of personal information to be mailed in. 

It looks like they are obstructing the goal of an easy way to monitor your credit, for free, annually.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/XXXX I was charged XXXX from XXXX XXXX XXXX XXXX XXXX XX/XX/03 XXXX XXXX XXXX XXXX! This was a stop in XXXX at a souvenir store from our tour guide. Upon buying ( two XXXX, two XXXX XXXX and a XXXX ). I thought my total was around XXXX XXXX XXXX. Comes two day later I had an extreme charge of over {$900.00} USD from my bank account. I immediately contacted Chase told them what happened : even told them had a witnessed that double checked the amount was corrected. I guess the souvenir shop decided to add a 0 prior do check out, all of it was very sketchy.

Unfortunately the bank declined my dispute and I'm sure I'm nothing more than a number to them so clearly they choose the easy route. I have never done this before as I didn't even know there's was a protection bureau. I'm simply asking you for your help as I will never bank with chase again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion allegedly committed : 1. Unauthorized Credit Inquiries ( starting from 2019 on monthly basis till present day ) & 2. willful violation of FCRA As a result of their violations, I was being turned down on : 1. Apply for a merchant account 2. applying for a credit card with the XXXX 3. not able to get a unsecured credit card.

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