vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-07 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: FL

Complaint narrative:
I have more than 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello I have sent PayPal all conversations and a video conversation that the person I sold my XXXX account to did receive the product, however PayPal favored in his side and now charging me the {$770.00} and wont give me the banking info or any other info to me I have all the records showing this person ended me a fraud and a scammer and I do not owe the money to Paypal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: FL

Complaint narrative:
I have more than 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-07 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: FL

Complaint narrative:
I have more than 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-07 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA
State: FL

Complaint narrative:
In XXXX of 2020 Fedloan Servicing deleted student loans from my consumer credit report as a result of not being able to properly validate the accounts. I have contacted Fedloan Servicing via mail on XXXX of 2020 notifying them that I am deserving of remedy under the Fair Credit Reporting Act, 19 U.S. Code 1681b and years of defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I recently sent a request to have fraudulent items removed that are reporting only on XXXX XXXX response is that I did not send in my request, which I am sending again. I XXXX XXXX did and am sending in this request to have the fraudulent items removed and blocked that

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION SYNCB/CARECR XXXX To whom this may concern, My credit card was recently closed after I recently was asked to make a big payment to higher my limit, as my family is in need of medicine after hearing we have received XXXX. On XX/XX/XXXX, I spoke with a representative that advised if I make a big payment to lower my balances, I could ask for an increase. Because of XXXX and work, I had called in to say I will need a month assistance to catch up on payments. However, within two weeks I canceled the help and assistance and made a lump payment. Its been a stressful time for my family, as we have been in and out of work, school. Its even more stressful when you make arrangements with your bank. Give them your entire pay check, for them to close it during this crucial time. It is upsetting and embarrassing to deal with this especially when I wasnt advised on why they even closed it, even more embarrassing when I went to go pick up my meds and I was declined with NO notice. WHY ME? WHY NOW? I have no late reportings on my bureaus, and you choose to close me? There has to be another issue at hand? 

XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2020-12-07 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY 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 2020-12-07 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: CA

Complaint narrative:
Below is an e-mail I sent to on XX/XX/2019 to loan care after they finally provided me with an e-mail. I attached supporting documents to support my case. The issue was never resolved. Calling the company proved futile. Due to a job relocation, I bought a new home with a much higher APR due to my affected credit score. This is affecting how a purchase moving forward. 

Regarding loan number : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX XXXX XXXX XXXX tarnished my credit score my sending an inaccurate account to Equafax stating I did not pay three months. PLEASE, Im begging at this time that this be removed. I went from a XXXX credit score to XXXX because of XXXX, this has affect the purchase of a new home, caused months of emotional anguish, humiliation, frustration and anger. 
PLEASE, after many many attempts to get this correct and speaking to various customer service reps who all have told me different things and given me all different information, I finally received an e-mail to direct this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Good Evening Victoria Secret! - My name is XXXX. XXXX, and I'm extremely concerned about my credit report. By the way ; how are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XX/XX/2020 for 30 days late. This is surprising because I have an excellent track record I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: IL

Complaint narrative:
On XX/XX/XXXX, I used annual credit report to get my credit score from Equifax, XXXX and XXXX. Neither of these agencies had a credit score for me. I called Equifax and they informed me they couldn't give me a score unless my address was confirmed. For me to confirm and address, I needed to write that I XXXX XXXX live at said address. I was also to include a copy of my drivers license and social security card. I faxed them this information as requested. 
On XX/XX/XXXX of 2020. I received a letter from Equifax that claimed I disputed some information. I did not. I called Equifax, and spoke to XXXX, she told me this was a letter confirming they got my fax and they had received my statement as to my new address. I asked her about my credit score, she then told me she could send my one in the mail or I could go online. I explained to her that I was told by submitting the previously requested information I should have gotten a credit report. She simply stated I could request another credit report and I would receive it in 14 days. I did, I also asked her to walk me through getting my online score through Equifax 's website, she reluctantly did this. 
The score stated " We are unable temporarily unable to provide your credit score. Please try again later. '' This is the original message I had received upon my first credit inquiry. When I questioned her on this topic, she no longer responded to me at all. She no longer answered my verbal prompts and the phone went silent though she did not hang up. I want my credit score, please help me achieve this goal. Equifax is refusing to give me this. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
There are 3 instances of this collections agency showing up on my credit report with 2 closed and 1 open accounts. There are NUMEROUS reviews online where the victims claim to have never visited the original creditor, implying the original creditor is non-existent, and it has been confirmed the hospital never having a record of him being employed there. I want all 3 fraudulent reports to be removed immediately and Online Information Services thoroughly investigated. I have sent two certified pieces of mail to the P.O box of Online Information Services, the collections agency behind this fraudulent act. Their address is XXXX. XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07 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: Healthcare Receivables Group, Inc.
State: NC

Complaint narrative:
On or around XX/XX/2020, I noticed a medical collection account was added to my XXXX  credit report. The collection account shows as Healthcare Receivables Group on my credit report with the original creditor shown as XXXX XXXX Hospital. I did not receive any written notice or communication about this debit nor any written communication that the debt would be placed on credit report. I had been making {$25.00} payments monthly, sometimes more so I did not understand why the debt was now a collection. Once I noticed the collection account, I contacted XXXX XXXX to find out why the account was now a collection, I was told there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FIDELIS RECOVERY MANAGEMENT, LLC
State: WI

Complaint narrative:
Everyday for the last 3 months, they call my work number and let it ring once and hang up. They do this between 5-7 times a day. They are harassing me at work, but when I asked them to stop calling my work and to call my cell, they still call. 
Multiple calls daily, just calling and hanging up.

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 2020-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I am writing to formally dispute Transworld Systems Inc 's claim that I owe a balance due. The assigned File # in your letter is XXXX, and the unique registration code is XXXX. 

I am disputing these debts because : -While the invoices list myself and my address as the sender and sender address, I have never sent the packages indicated in the invoices, I have no knowledge of these packages or invoices, and I am not associated with these packages or invoices in any way, shape or form. 

-Since I received the first invoice I have repeatedly contacted various departments within XXXX indicating that I have never sent the packages indicated in the invoices, I have no knowledge of these packages or invoices, and I am not associated with these packages or invoices in any way, shape, or form. I have demanded that they be removed from my record, and some fraud cases have been opened. 

-I believe that there has been a scamming attempt on my XXXX  account in another country, and I have closed that XXXX account as of XX/XX/2020. No further new invoices from XXXX  are sent to me ever since. I have lodged a complaint to XXXX XXXX and XXXX Customer Relations Department. 

-I have examined my credit report and confirmed that this balance due does not exist under my name. 

-I have also examined my complete annual credit report and confirmed that your agency never attempted to contact my credit bureau to acquire my credit information. 

Considering the above information, I have ample reasons to believe that my balance due from XXXX is due to an identity theft situation in which I am the victim. Hence, I formally dispute the validity of this balance due recorded at your agency. I will launch formal complaints at XXXX XXXX XXXX ( XXXX ) and Consumer Financial Protection Bureau ( CFPB ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Patenaude & Felix A Professional Corporation
State: AZ

Complaint narrative:
The Law Firm of Patenaude & Felix first sent a letter in XX/XX/XXXX which I responded same day via email and telephone to the offices. I never received a call back or response by email. Then in XXXX they sent me Affidavit in Support of Entry of Default which I responded back stating I was willing to dicuss a settlement back in XXXX but no one responded to me which I mailed this letter XXXX overnight and they did receive and sign for it.. They did not respond back to this letter either instead on XX/XX/XXXX I received another letter stating I was in default and they were going to file judgement against me claiming I never responded to their communications which is a lie. I don't know why they are being deceptive and continue to harass me via letters threatening to take me to court. This has caused me so much stress the harassment for no reason when I have tried to work with them. This latest letter was dated the XX/XX/XXXX but postmarked on XX/XX/XXXX and received on XX/XX/XXXX. They are even deceptive in their mailings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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 have updated letters describing the issue. A fair resolution to this issue is to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: NY

Complaint narrative:
THE ACCOUNT AND INQUIRIES LISTED DOES NOT BELONG TO ME. THE ADDRESS FOR THE DEROGATORY ACCOUNT IS NOT AN ADDRESS THAT I HAVE EVER RESIDED AT. I HAVE NO KNOWLEDGE OF THE ACCOUNT. THE ACCOUNT AND INQUIRIES ARE NOT AFFILIATED WITH AND TRANSACTIONS MADE BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND HAVE IT RESOLVED AS SOON AS POSSIBLE.

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