vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-15 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: Lugano Capital, Inc. d/b/a Start Auto Finance
State: FL

Complaint narrative:
I financed a car with Start Auto Finance. According to the document, loan amount was for {$22000.00}. I started making payments on XXXX and its now XX/XX/XXXX and yet have they updated my credit file with those payments. 
In addition, according to my credit file, it reflects that the balance owed is {$45.00} more than initially loaned. 
Ive inquired with the company on multiple occasions but never got a answer as to why. When I went to make my last payment, first week of XXXX, I asked the receptionist if I can speak with someone regarding the credit reporting in which she had a conversation by phone with someone else and eventually told me theres no one that can assist me. I asked for a supervisor or manager and was told no one was there. I asked for a number and given one only for that to be directed to the receptionist. Thats very unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/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 2021-11-15 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I wrote to transunion three different times. I asked them to remove all information that was inaccurate. I have names that are wrong, addresses that are wrong, employers that are wrong. I sent them my ID and proof of address ( utlility bill ) three times. They are not updated my personal information and it's stressing me out.

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 2021-11-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently settled an account with XXXX store card. The agreement was that I pay a certain amount and in exchange the account would be closed and I would no longer owe any balance on the account. This agreement was paid and settled. Since then XXXX have reported my balance and payment status incorrect on two separate occasions to the three credit bureaus. The correct way it should be reporting is my balance being {$0.00} and my payment status closed. XXXX had two opportunities to report this information correctly but they maliciously didn't do so. Instead of updating the terms of our agreement they violated my rights by falsely reporting the account balance with a balance of {$280.00} and not updating the payment status proving that this matter is situated. They continue to report incorrect information to the credit bureaus which is a violation of my FCRA rights. They knowingly reported incorrect information. This has caused me emotional hardship, it is still ruining my personal character and continues to negatively affect my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Square ( Cash APP ) Financial company will not allow access to my account which has {$450.00} held in the account established since 2020. I contacted the Support Chat for assistance that provided steps to access the account. I was unable to take the steps because I had no access, so the case was elevated and I was provided a $ XXXX, Ref # XXXX number. I provided all the pertinent information on the account to identify myself and others users on the account. After 3 weeks and 4 different CASH Support representative, a decision was made that could not be overridden. I asked was there a Fraud and Security Dept and they responded with the same comment. I ask for lead supervisor and they would not refer one to me. I ask about the balance in my account and it was stated that it was nothing they could or tell me. They stated there was nothing that could be done. I contacted the XXXX and saw over 4,000 complaints. I decided to file a complaint with CFPB. Attached are the email strand of discussion with CASH APP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I wrote to experian three different times. I asked them to remove all information that was inaccurate. I have names that are wrong, addresses that are wrong, employers that are wrong. I sent them my ID and proof of address ( utlility bill ) three times. They are not updated my personal information and it's stressing me out.

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 2021-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
On XX/XX/19 I was seen by XXXX XXXX XXXX, MD.At the time up until now, I receive XXXX.Doctor XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , failed to submit the bill too XXXX at the allotted time, therefore XXXX denied to pay the claim, so instead theyre trying to force me to pay a XXXX bill for their mistake.They sent the bill to United Revenue Corp.a collection agency.This has been on my credit for 2 years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I wrote to equifax three different times. I asked them to remove all information that was inaccurate. I have names that are wrong, addresses that are wrong, employers that are wrong. I sent them my ID and proof of address ( utlility bill ) three times. They are not updated my personal information and it's stressing me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: NV

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: Paypal Holdings, Inc
State: MD

Complaint narrative:
I keep getting a statement from PAY PAL credit card weekly about the charges that I never used. I had submitted the report to PAY PAL for resolving these fraudulent statement but the charge is sill coming from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15 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: NY

Complaint narrative:
To whom it may concern, I have recently come across unauthorized information in my name being used on my credit report and I would like to file a dispute. This information is unauthorized and I never approved it to reflect on my credit reports. I strongly believe that I am a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my behalf on my credit reports and I urge that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft on my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. Please investigate these serious matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$68.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$67.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
On XX/XX/XXXX my bank issued and mailed out a check to the Barclays World MasterCard credit card company in order to pay my account in full, XX/XX/XXXX I called the credit card company because they had not applied the payment to my account, they replied that they had not received it, but then proceeded to tell me they had opened up a case on XX/XX/XXXX to resolve a case on the lost check, mind you, they never informed me about a lost check. I have repeatedly called to them to check on my case. I have provided them statement and picture of back and front of the check. XX/XX/XXXX I called them to make sure they received picture of the check, they said they did not, but all of a sudden they then located the email, XX/XX/XXXX the first I called them again to see whats happening with the case, they said they have received the picture of the check and that within two to three business days itll be credited to my account, today XX/XX/XXXX I gave them a call, they said they had closed the first case and opened up another case and this will again take at least one full billing cycle to complete. I have called 1-3 times per week, their answers arent helpful and have not solved this case, this person that I spoke to this time isnt sure if they will find another excuse to not process the payment. The check amount is {>= $1,000,000}, in the mean time Ive had to make two more payments on this account, first person told me not to pay the balance, however it backfired on me, and now I have to continue making payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-15 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: IL

Complaint narrative:
Unauthorized use of my credit report. Reporting incorrectly.

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 2021-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I have had my debit card compromised several times this year, I have recently filed two disputes and had my card closed due to two transactions from XXXX. 

The first one for XXXX was taken care of by Huntington they provided provisional credit and sent me paper work to fill out. 

The second transaction is for XXXX on XXXX. I have not received any information from Huntington regarding this dispute or any provisional credit. 
I have called twice today both times I was transferred and put on hold, both times the calls are dropped and disconnected, in the middle of the conversation with the disputes representative. 

I need provisional credit for this XXXX I work two jobs and live check to check I did not do this transaction When I finally got someone on the phone they said it was pending investigation because the transaction had not posted, Which is untrue and a lie.. when I called to dispute the transaction it was already posted to my account in the history. So why is the dispute department sitting on this? I want this credit perm placed back into my account. I did not authorize this transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I pulled my credit report and LVNV is appearing on my credit it is showing as a collection on XXXX and XXXX. Showing absolutely no information on XXXX. Inaccurately, reporting on XXXX as 120 days late. Collection on XXXX and again absolutely NO INFO on XXXX. Showing a past due balance on XXXX and XXXX. Shows credit history on XXXX as XXXX, and XXXX for XXXX and nothing on XXXX. How can all reporting to each of the credit bureaus be completely different? I would like this account to be completely Deleted from my credit report from each of the 3 major credit bureaus : XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
a seller " XXXX XXXX XXXX XXXX XXXX '' sold me a defective product XXXX XXXX that has a fan with a noisy bearing and possible fire risk. Capital One Visa was the merchant service provider. Capital one refuses to charge back merchant for defective product. Merchant in writing provided 1 year warranty and merchant says " the MFR will handle the warranty '' MFR states " The mechant knows they must handle the warranty and then we deal with them after they care for you. '' Capital One Visa account is only remaining avenue to force merchant to handle their fraudulently advertised warranty ( FTC violation ) and Capital One Visa allowed merchant to commit this fraud using their system. I believe Capital One is responsible for allowing the fraud to take place on their platform. Additionally Capital One offers me an " extended warranty card benefits of 1 year '' and refuses. 
" XXXX # XXXX '' states the chargeback was made too late and he can not charge back, I know this is not true as I am also a merchant account system user. Capital One " XXXX '' also refused to entertain coverage under the terms of their extended warranty benefit advertised to me to have me sign up to their account. 

Resolution requested : Charge back merchant or negotiate a refund to cover the cost of the repair of the defective 1 year warranty advertised product sold to me. The estimate cost to repair is {$120.00}, or charge back the product price. Copies of all the advertising, receipts, and other information was sent to Capital One. 

XXXX XXXX claims he has no useful supervisor and there is no person higher at Capital One or a person in the Capital One legal department who can review my claim, otherwise I would not have bothered the CFPB. Side note XXXX XXXX never argues with me about these issues and simply negotiates a settlement with the merchant or charges merchant back and if merchant wants to resolve the issue they do so outside of the credit card system, perhaps Capital One is having problems that should be evaluated for risk.

Company response to consumer: Closed with explanation